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Only going off my late Mum and Dad and my best mate who retired a year and a half ago, they all said they don't pay tax.

The wife and I saved and are self funded, I draw a pension, hers is still in accumulation phase, so when mine runs out we start on hers.

So we are still paying tax, however when the kids ask if they should put extra into super I give them a definite no, it certainly isn't worth the angst, sacrifice and constant demonising.

My suggestion to my kids enjoy your life, pay off your house and whatever super you have when you retire, hopefully you are still able to enjoy it.

But putting in extra super, is proving to be a mugs game for average middle class Australians IMO.

Unless you are super wealthy, but every self funded retiree is classed as that.

Hopefully they bring in a level playing field and include the PPR in the asset test, that would put the smug ones in a McMansion in the same boat as someone who lives in a small unit in the back blocks, but has $700k in super from the sale of their PPR and doesn't qualify.