New Zealand's 'rockstar economy' hasn't helped everyone, with new data showing a number of Kiwis have been left behind.
A Kiwi Wealth survey of more than 2000 adults shows that young people, renters and those living in the regions, are least well off with lower earnings, fewer assets and less overall wealth.
The data also shows that 64 per cent of renters and 53 per cent of young adults and low-income households say they are still living paycheck to paycheck.
Sense Partners consultant, Kirdan Lees, told Tim Dower the income that was generated over the past decade hasn't been distributed evenly.
"People that did get on the housing escalator, that just pulled a whole bunch of people away from people who couldn't get on. So housing has really affected who has been a winner and who hasn't done so well from the economy over the past decade."
Lees said that housing is a huge issue for the younger generation.
"It's probably been a surprise just how far house prices have pushed up over the past decade. A generation ago, people used to get into housing by buying on the edge of the city...but that's just not open to people anymore."
He said the report highlights how many Kiwis are struggling to get into the housing market.
"I think that whole thing of families sitting at home eating smashed avocados rather than going out and saving, I don't know that that really rings true. I think it's pretty tough to get into housing at the moment."
He said the difference in wealth outcomes for those living in cities versus regions, isn't a new issue, but it is particularly stark at the moment.
"There are people in the provinces who are struggling and some people who have opportunities can actually move to a place where they have got job opportunities. So that's part of the reason you see those differences because people who can benefit from opportunities do up and move."