I think @Roger and @Vaygor1 you're saying that peoples' ability to 'retire' is dependent on their ability to pay for it in spite of inflation, which is self evident, albeit hard to do for most. However fewer and fewer people have that ability to comprehend it, or pay for it, even now, and that will get worse in an inflationary environment which is beginning now and going to get worse.

The cognitive bias which is self evident on this thread is that everyone has saved or will save and invest enough to have a comfortable life after worthwhile employment, either directly or indirectly. That is so far from the truth of reality for the vast majority that it sets aside the discussion here to the elite who have little or no comprehension, involvement or appreciation of the real world or real people.

That in itself doesn't mean the elite who have had the foresight and the ability to position effectively for retirement should be maligned in any way, it merely says that the conversation has devolved to a few elite who have had foresight and the ability to make this their difference. And live happily thereafter. God bless them.

Perhaps this is part of the financial divide we are seeing in NZ, the widening of the gap between those who know and who have, and those who don't know and do not have?