“Er enghraifft, mae pobl ifanc, wrth siarad amdano, yn dweud ei fod yn caniatáu iddyn nhw gynilo i gefnogi eu hunain yn y dyfodol, ac archwilio talu am gymwysterau pellach a allai wella eu cyfleoedd am swydd a gyrfa.
“For example young people are talking about it allowing them to save to support themselves for the future, and exploring paying for further qualifications which could boost their job and career prospects.