Your retirement scheme depends on your region: KiwiSaver in New Zealand, superannuation in Australia, a 401(k) in the US, CPF in Singapore, EPF in Malaysia and India, and so on. The balance grows weekly as a locked asset.
What it is
Retirement savings are money you can’t touch until later — they count toward net worth but not toward spendable cash. That teaches the difference between cash, savings, and locked money.
What it does
- Adds employee and employer contributions from your pay each week.
- Applies government top-ups where they exist (NZ KiwiSaver, AU co-contribution).
- Grows with interest and compounds over the full 104 weeks.
- Pays out in full at life end — completion or bankruptcy.
How to use it
- Choose your contribution rate when creating a life (or change it on the Money screen).
- Watch the locked balance grow each week — it’s part of net worth.
- Understand the trade-off: a higher rate means less take-home today and a bigger nest egg later.
Good to know
Some schemes have special rules — for example, NZ’s first-home withdrawal after three years. The pack models the rules that matter for teaching.
Ready to try it? Start a life at app.moneycq.com — your first week takes about two minutes.