Think NZ Super guarantees an easy retirement? The safety net is real, but comfort requires more than a minimum KiwiSaver contribution. We sit down with Elizabeth to map the practical differences between New Zealand’s universal pension and Australia’s means-tested age pension, then dig into why higher compulsory super rates across the Tasman translate to far bigger balances at 65—and what Kiwis can do about it right now.We get honest about KiwiSaver’s strengths and limits: it’s a managed fund with extra rules, great for long-term compounding but locked until 65 for most people. If you want options—like reducing hours at 60, taking a sabbatical, or bridging a career change—flexible managed funds can mirror your KiwiSaver risk level, maintain PIE tax efficiency, and still let you access your money within days. We also tackle the difference between “fun money” stock picking and a core, diversified portfolio managed by professionals who track markets, policy, and risk so you don’t have to.The most powerful moment to start? When life gives you a cash-flow shift. Reduced childcare costs, a pay rise, or lower mortgage payments are perfect triggers to automate contributions before lifestyle creep takes over. By pairing KiwiSaver for employer matches with diversified managed funds for freedom, you build not just a balance, but choices: helping your kids at uni, retiring earlier, or weathering policy changes without panic.If this conversation nudged you to take action, follow the show, share it with a friend who needs a nudge, and leave a quick review so more Kiwis can build a smarter path to retirement. What surplus could you redirect into your future this week?Send us a text Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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