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Given most couples start losing serious aged pension amounts after accumulating more than $450,000 in retirement savings, it is far more sensible for young people to pay their house off first. In reality, we should scrap compulsory default super altogether, and have people do voluntary personal deductible super after age 40. That way we would eliminate over 20 years of wasteful admin fees, for very little benefit. If the member isn't prepared to make large contributions, its simply not cost efficient. Usually by 40 most people will take more responsibility with their savings, rather than end up with 10 accounts floating around in the ATO, destined to be swallowed by consolidated revenue, in many cases.