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Yeah there is - the older person has a property with (presumably) large amounts of equity built up over 40 years while the young person doesn't.

Didn't say she can't plan it. I just find it perplexing that people assume age-related welfare is a divine right yet other welfare is for dole bludgers.

I find it ironic, in fact I would call it hypocritical, that lots of people on those forum give crap to people on Centrelink/welfare yet think it's perfectly OK to plan your affairs just to get some ridiculous government pension.