Every day, Australians get up, go to work, cope with the stresses and strains, get home, deal with family affairs, pay bills, relax just a bit and then sink into bed as the winds of sleep arrive from the field of dreams. Then they repeat the cycle the next day. How many of those people have any reasonable idea of how they will fund their retirement, where the money will come from, where it will go, how much will they need and how much should they save now towards that funding? Not many.

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