Your home is a consumption item in the same way that you're car is a consumption item. Just as you are not going to expect your car to generate you a return, you should also realise that your house will have it's own running costs &/or depreciation costs. It's not to say you shouldn't own your home, because it's an important lifestyle choice of many Australians, you just need to be honest to yourself on the costs and can sustainably do that through your retirement. For all listener questions/feedback, please contact the team at

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