I don't understand why young people can't use their super to buy a house after all when they retire they will have a super nest egg but not much chance of buying at 67 years of age My daughter has about 200,000 in her super but has to rent she is on her own and can't save for a deposit on her wages At 54 what chance has she got

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Agree Kerri, I am very much in the same position as your daughter. It's taken me years of hard work as a single person paying my own way to now be in a position of earning a little more than the max salary for single people making me eligible for the first home buyer option now. It's such incredibly deflating position to be in.

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The only answer to this dilemma is to focus on how to earn multiple sources of income. Expenses will always be there as long as we live. In fact the only way to live a great life is to spend so we can live how we want. So earning endless income is the only answer.

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I'm with you Kerri and Su. At 60 years of age, single income and paying the same expenses as a double-income household, I have seriously low chances of ever owning my own place. Over 25 years ago I sold a house that I had with my then-husband so I think that cancels me out for "first home" anything scheme. Not sure how anyone can afford their own place when living expenses takes up most of our salary.

I won't be retiring any time soon. I'll probably be working well into my 70s.

It's not easy for anyone.

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Why don't Australian Federal and State Governments look at the way Singapore managed to build affordable housing for her citizens soon after becoming independent from its colonial masters. Singaporeans have prospered beyond belief. Affordable housing was made possible by the use of Superannuation contribution as part payment towards the housing loan. Yes Australians are not used to living in highrise flats but quite happy to be homeless and moaning and groaning about their situation. They want to start with the biggest house with the biggest yard and a swimming pool. Most children tend to play on the streets in front of their houses or on their gadgets. Even the richest people in the US, UK and Europe live in Apartments. So why not us. Backyards are big maintenance responsibility often neglected.

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