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    Many thirtysomethings are making life-changing decisions without considering their financial futures, it is believed.

    According to research from Friends Provident, Britons feel that 32 is the optimum age to make these decisions, which may include having a change of career.

    "For those planning significant career and job changes, it is vital that they pursue not just salaries and short-term gains, but the right financial packages for their long-term futures," comments Martin Palmer, head of corporate pensions marketing at Friends Provident.

    He adds that financially preparing for the future is of utmost importance and should be behind any decisions made.

    The statistics also show 59 per cent of people believe the economic downturn gives them the opportunity to reassess their careers, with 13 million people thinking of changing their careers at least twice during their working lives.

    According to the Nationwide, the base rate reductions in October, November and December last year appear to have had an impact on consumers’ desire to save.

    It says that nearly one in four people (24 per cent) do not save anything and under half (47 per cent) of consumers save regularly.

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