The age of retirement is back in the forefront of news this week after a report from the OECD recommended means testing the age of eligibility for NZ Super or risk an unsustainable rise in public debt. 

The agency says New Zealand's ageing population will continue to become a prevalent issue as the government tries to pull the economy out of the red. 

But some finance experts say we shouldn't be relying on the government to fund our retirements, and super should be treated as a bonus rather than a survivable income. 

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