Traditionally, here in New Zealand retirement meant that you would be in your mid 60s and that the government would pay you a benefit that would take care of your basic needs – housing, health and social needs. At least this is the story that was being sold to us up until around the 1980’s. The trouble with this story though was that it simply was not possible to achieve! There is no way the NZ government could afford to take proper care of it’s elderly retired population and now many are living on the financial edge. Nobody was saying publicly back then that everyone needed to be planning well in advance, from their early teens, to ensure financial independence in retirement.
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One day my elderly mother decided she wanted a haircut at the newly opened local hairdresser. So I got on the internet to find their business and contact details and operating hours. But guess what?….. I couldn’t find them anywhere online. Now, I know they have a shop location as I had passed it just the day before. It appeared that they weren’t even listed in the phone book. Wow! Imagine the amount of business the hairdresser owner was missing out on. 
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above water. The expectations of providing everything the family needs to get by can be daunting! The cost of this seems to be endless…and for a lot of people, annual family holidays, great education for the kids, nights out on the town, upgrading the car etc, etc, might be impossible because of circumstance. But the clock is ticking and time is fading away. But, there is hope…real hope!
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