does property reduce your wealth, page-14

How about this: work hard, borrow some money and buy a few houses and rent them out(by age 35).

Rents rise and rates are cyclical and so with the help of inflation, the rental income and the ATO you can easily pay them off in 25 years.

So at age 60 you own a few houses with no mortgages. You can keep them and borrow against them or sell them. Either way you have a better retirement.

Alternatives?

Salary Sacrifice into Super that the Government controls and subsequently pays you in the form of a pension at age 70.

Your choice.