If we can’t afford houses without tapping into our retirement money what does that tell us? That houses are too expensive.

We need to stop listening to all the experts who have a finger in the housing pie, and stop putting home ownership on such a high pedestal. You wouldn’t pay $40,000 for a $25,000 car, so why are we willing to pay so much extra for houses.

I understand why Kiwisaver has been allowed to use as a tool for first home buyers. I get it. Home ownership rates are declining and more people are working past the age of 65. Retirement is getting harder, and not owning a home can make it that much harder, especially if you [……]