Retiring on your own terms? The math might surprise you. A single renter needs over $51K a year for a modest lifestyle, while homeowners need around $56K — and that’s before factoring in the government’s age pension ($31K) plus possible rent assistance ($5.7K). Own a rental property? Moving in could slash your assessed assets and boost your pension. And don’t forget: post-tax super contributions stay tax-free for you or your heirs. The system quietly favors homeowners — tax breaks, lower pension thresholds — so plan wisely before you retire.
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