41 percent of people are counting on winning the lotto as a financial back up plan.

5 percent are hoping on spotting a valuable antique, while almost 1 in ten are aiming to raise a child prodigy.

AIB has launched a campaign around planning for the future and has found that people are putting off making a personal financial plan.

Exercise, healthy eating and responding to text messages are just some of the things we're putting off to another day.