Do we think property and shares will do better than 4% over time? Of course we do. But we made the choice to become debt free on our home because we sleep better at night, writes Paul Clitheroe.
Our social security payments are so low that they trap people in poverty - it's incredibly difficult to get a job when you're worrying about how to put food on the table or to make sure you have a roof over your head.
Ever since financial deregulation in the 1980s we've had a finance industry scandal followed by an inquiry, a quick fix and a declaration that it shouldn't happen again. Commissioner Hayne's final report hasn't gone far enough to end this cycle.
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