[tootahe45]

It's heavily regulated and subsidized in NZ and it's also lot more un-affordable here. Since a few years ago we've been allowed to withdraw our version of a 401k to buy houses, to give you an idea of how much the govt has been trying to prop things up.

[zeckalpha]

You can do that in the US, too https://www.investopedia.com/ask/answers/081815/can-i-take-m...