I have three main pillars to retirement planning
1 - Superannuation (tax effective retirement saving so kinda sorta like 401k). I was a bit slack earlier in life but catching up now and aiming to have about 2m Aussie in this when I retire, thats my main vehicle for retirement saving. For kiwi, just save early, save often and shove it into growth funds. Don’t try to pick stuff, you’ll cock it up more than you’ll get it right
2 - GT Porsches. Over 20 years these increase in value and are tax free. And fun. Wooooooo
3 - Girlfriend is 20 years younger than me. By the time I retire she’ll be in peak earning phase and I can be a kept man with GT Porsche’s to play with and enough income to buy the drinks.
I can’t see what could possibly go wrong