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The fact that about half the population is saving for retirement despite the current cost-of-living crisis shows how resilient people are, the Retirement Commission says.
New research gathered by the commission found more than half of the 3000 survey respondents described their financial position as "uncomfortable".
Women were feeling it more - as were young people aged between 18-35, the commission's personal finance lead Tom Hartmann said.
More NZers saving for retirement despite cost of living crisis
"The situation of financial discomfort for women has significantly worsened … since 2022, it's gone from 51 percent to 60 percent and 64 percent of women report feeling financial stress," Hartmann told Midday Report.
"It's quite concerning to see so many New Zealanders struggling financially but it's good to see those who manage to still actively save for the long-term."
The research showed it was half the population saving for retirement and setting long-term financial goals, increasing from 54 percent in 2022 to 59 percent.
Being able to do so despite having money worries showed the resilience people had in this area, Hartmann said.
Survey results also showed Kiwis - particularly those ages 18-34 and Pasifika - were trying to reduce their debt products over time.
Many people - 76 percent - were also choosing to save for big ticket items rather than go into debt to purchase them.