I'm in my early 40's; I'm putting extra money (beyond kiwisaver) into stocks/bonds. It is quite interesting and I get to choose the level of risk I'm comfortable with. My partner and I were discussing what we are going to do once the mortgage is paid off; my view is to stay away from property investment / air bnb, this is not due to the moral issues around housing as an investment, it is purely about trading our time for money.

[–] Axisential 3 points 1 year ago

I have super in three different countries from 20 years of living abroad, so working on consolidating that. Beyond that, putting in some extra to KiwiSaver here and simultaneously working to build a self sufficient lifestyle to keep costs down - and us fit with any kind of luck! Very aware that that only works so long as we're fit and well, so much of what we're putting is designed to be as hands off as possible.

So, plan A is working and living off our land as long as we're able, plan B is then hitting the Super, with Plan C being selling the land and downsizing.

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