You don't earn a house today by living in poverty in retirement, as some in this place would have us belief. We know that is not the way forward. You don't raid your superannuation in order to get a house deposit. We need to lift wages—that's the key.

Mr Tim Wilson interjecting—

The Housing Australia Future Fund is Labor's plan to ensure that every Australian has a roof over their head. Under Labor, no Australian, young or old, gets left behind.