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@jeplet 300 x 52 = $15,600 per year you're saving so if you can keep that rate up, and even increase it, you'll be in a great position ten years from now. Don't worry too much about the Government's effect on your Kiwisaver - the only things they can really govern are withdrawal rules and...

@jeplet I understand the human desire to look back at lost opportunities with regret, but you're in a great position now of Being debt-free In a higher-paid role, as well as the extra cash on hand from quitting your habits, plus Ridding yourself of your most expensive money sinks These put...