This dissertation investigates whether the long balance sheets of Dutch households –characterised by high mortgage liabilities and substantial but illiquid pension assets – can be structurally shortened through a more integrated approach to retirement savings and homeownership. Situated at the intersection of pensions, tax, and housing law, the study asks: Is it possible to shorten the long balance sheets of Dutch households by combining retirement savings and real estate purchases, while safeguarding pension adequacy and maintaining housing affordability? If so, what could such a system look like?