Just want to ask the question...

Are you doing it via kiwisaver (and if so how much %) or are you using your own savings account with a bank/3rd party? Or are you in the frame of mind you won't make it to 65 so spending it all now?

Currently I am doing mine buy kiwisaver at the max % (8% + 3%, 3% is taxed however).  I also keep a smaller savings account around for buying toys.