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Ditto - the oldest I knew is a couple who were 47 and 48 when they had their youngest. Means they'll be around 70 before he's even thinking about leaving home.

problem is that it's not 9 compounding ... as hubby's conservative super fund plunged near 30% only a few years back. Takes a lot of clawing back to return to the start point - haven't been game to look recently as there is nothing we can do anyhow.

Actually - I agree with increasing the working age, as long as there are jobs there to be had. When the pension system was initally bought in, around 80 years ago, the average length of life after retirement was around 3yrs. So that was 3yrs of pension to support ... and there was also...