MAP and bacci, you both highlight the ongoing dilemma in funding...

MAP and bacci, you both highlight the ongoing dilemma in funding of Australians post-accumulation phase i.e. Retirement. You both make valid points.

The population will have to be more self-sufficient and getting a balance between youthful desires, being under your own roof and thanking about being old and crinkly will never be resolved.

From my 20's I had to put 5% into a super fund and that gave me a great starting point with super. Yes, I could have done better reducing debt or investing for a home deposit, but I did those things anyway. I found a way.

A small regular contribution and long-term investing, plus the Co-contribution are fairly painless.

The gov't isn't going to steal your super in future, probably make restrictions, but it's STILL THERE FOR RETIREMENT. I'd rather have some restricted income than freedom and no income.