People who are struggling to make ends meet now and who perhaps have irregular and unstable contracts are unlikely to be able to make provisions for their futures.
Mae pobl sy'n ei chael hi'n anodd cael dau ben llinyn ynghyd a chanddynt gontractau afreolaidd ac ansefydlog o bosibl yn annhebygol o allu gwneud darpariaethau ar gyfer eu dyfodol.