There is superannuation, yet being a self employed person I am glad I have a choice to not contribute. I prefer my positive cash flow investment properties - love real estate and having small mortgages on them. I also invest in shares, and rent them out for positive cash flow. My blogs are also seen as a form of investment.
20% of my income goes straight into my house, and that will be paid off in the next 1-2 years. It requires discipline and not to impress, yet I am so grateful to be in this position at such a young age. Working hard does it, as well as being frugal with your money.