A warning has come that kiwis in their 30's are set to run out of cash less than four years into their retirement.

The findings are based on people who are currently in ‘balanced’ KiwiSaver funds, earning the average wage, have average household expenditure as well as having the ‘average’ KiwiSaver balance.

Essentially working off the model that we will retire at 65 and go back to work at  68, according to these figures.

Better Saver founder and chief executive, Joe Taylor, has run the numbers and joined Kate Hawkesby.

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