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"[It's] incredibly bleak … there is a huge issue in general across Australia where housing is seen as an asset, not a human right,"
Erin said.
Young couple Erin and Jack stand in their living room near a window

"We've got no hope really of being able to afford a place of our own,"
Erin said.

Hobart housing in unidentified suburb.

"We've got fewer homes that are worth more that are concentrated in older, wealthier hands, so it's very easy to see how it's increasing wealth inequity,"
Mr Moloney said.
Joey Moloney smiles at the camera.

Michael Fotheringham sits in a sunny room and looks at the camera

"In Australia, 70 per cent of rental properties are owned by somebody who owns just one investment property, 90 per cent by someone who owns just one or two, so it's a very fragmented market,"
Mr Fotheringham said.

Young couple Erin and Jack stand in their living room near a window.

"Renters are almost seen as second-class citizens,"
she said.

"But at the moment that doesn't exist so you can't plan ahead,"
he said.

"I want to say it's going to get better. I want to say I have a really bright future ahead of me, but I don't think so."

"Climate change is probably the biggest thing on my mind when I think about what I am going to have to deal with in the next 10 years, and I don't see it going very well,"
she said.

"If you're not a home owner, you've got to pay rent in retirement, which means your living expenses are much more expensive than someone who has paid off their mortgage,"
Mr Moloney said.

A key is placed in the lock of a door.

"This age group will retire with considerably more superannuation than some generations before them, but that doesn't necessarily translate to a comfortable retirement,"
Dr Wilkins said.

"It does raise the prospect of more people in the future being reliant on the age pension,"
he said.

"I just don't think while we have people in politics who own their own investment home like the majority of politicians … [that] anything is going to change, because there is no incentive to do that."
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