Yes exactly, spending most of our lives to work and pay off mortgage. The government does provide funding through a scheme called KiwiSaver which is also a worked-based retirement saving fund. Basically, it works like if I choose to contribute 3% of my salary towards this fund, my employer has to make a contribution of at least 3%. Also at the end of the year, the government will contribute to a maximum of $521.43 NZD. After 3 years, I can withdraw up to $10,000 from the fund to put towards purchasing my first home. It's not enough really comparing to the significant increase of housing price.