I’m sure every retiree has bragged about the sacrifices their kids made to succeed, but what sacrifices are they making? You need at least a Silver membership plan to access Insight articles. Username or E-mail Password Remember Me Forgot Password Nathan Smith Nathan Smith is a former business journalist and columnist at the NBR. He also worked as the chief editor at the New Zealand Initiative policy think tank. He is now a freelance writer and copy editor. More by Nathan Smith