Thanks Paul for your expert comments .

How do we get the Government to start Super at birth. This will help improve retirement savings and especially for stay at home mums

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I really hate to disagree with the advice of seek professional financial advice, and I don't think that is a bad idea. BUT I did that before I retired and acted in the then best financial advice available. LOL. My wife's Super got washed out in the Global Financial Crash so I topped her Super up from my Super savings. Only problem since having been retired for 15 years it seemed that every year the Super rules changed. Due to the Sup cap my wife could not then add to 'her' Super account and my Defined Pension stopped me adding to my Super account and I had three rental properties to sell. I sold two but then could not put any of that money into Super. If I didn't top up my wife's Super account then money from the sale of the rental properties could have been placed into her Super account. My experience has been that good Financial Advice is only as good as the next Federal Budget as the rules change just about every year, making long term financial decision for retirees an almost impossible task. And I am now about to be smashed with Aged Care costs .... Costs that I would not have if I had less money. The real joke is that I am now deemed have tooo much money in Super yet I can't withdraw a penny from that Super Account as this is 'deemed money' not real money. And when I die, poof, the money disappears. Whilst seeking advice on a Super one really needs financial advice on 'whole of life' aka Estate Planning as Super money will eventually go to an Aged Care facility which would have been provided for no cost to you if you didn't have savings! Trump said, 'Dig baby Dig'. I say, 'Spend baby Spend' or the a government will take it from you! So much for advice saving money in Super!

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