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Perhaps I should have chosen my words more wisely :) I'm no malcontent, Gen X/Y or otherwise :) I'm quite a happy, well adjusted Gen X (Lucky my wife doesn't read this, so you only get my opinion). And I certainly have no issue with "rich retirees", my point was this sort of tax treatment...

Yeah but why cap it at $1000 earnt? I don't think it should be unlimited because you will have rich retirees benefiting, but why not have it for $10K earning, really give young people an incentive to save and maybe have a decent deposit when they do finally buy a house?