The Finance Minister says the whole country will benefit from New Zealanders having more savings

Yesterday's Budget came with major changes to KiwiSaver -- the Government halving its yearly contribution to members' funds, with an eligibility cap on income above 180-thousand.

Default employer and employee contributions are also rising from three to four percent.

Nicola Willis says we need KiwiSaver to be sustainable.

She says the Government was borrowing every singly dollar it put into members' savings accounts -- and we can't be a country that continues to borrow forever.