How Do Couples Adjust After Retirement?
how do couples adjust after retirement?
The short answer is with communication, flexibility, and a willingness to redefine roles, routines, and expectations.
Category: Retirement Information
Financial Planning
Insights & Advice
Expert insights, practical strategies, and market updates to help you make informed financial decisions for your future.
Can I retire early in Australia with low super?Master Your Retirement Strategy
Yes, you can retire early in Australia with low superhlab services lifestyle adjustments, and possibly a phased approach to retirement.
What Do Retirees Do All Day? How Australians Spend Retirement
What do retirees do all day? Discover how Australians spend their time in retirement, from hobbies and travel to part-time work, health, and social life.
Is Superannuation the Same as Pension? Key Differences Explained
Is superannuation the same as pension? Learn the key differences between super, account-based pensions, and the government Age Pension in Australia.
What Non-Financial Issues Should I Consider in Retirement? (Housing, Lifestyle, Mental Health)
The most important non-financial issues to consider in retirement are housing (where and how you’ll live), daily purpose and routine, social connection, mental health and emotional adjustment, relationships with your partner and family, and physical health. Research from the Australian Institute of Health and Welfare puts social isolation and poor mental health among the biggest wellbeing risks for older Australians, and the pattern we generally see in practice is that the retirees who struggle in the first year are almost never the ones with lower super balances. They are the ones who did not think through how they would spend their time.
This guide covers the non-financial side of Australian retirement planning: what actually shapes quality of life after work, what the current research shows, and how the non-financial decisions connect back to the financial ones.
How to Set Up an Account-Based Pension in Australia (2026 Step-by-Step)
How do I set up an account-based pension? Learn the steps to turn your super into tax-free retirement income, including eligibility, payments, and setup tips.
How Much Super Should I Have at 60 in Australia?
How much super should I have at 60 in Australia? The average is $430,000 for men and $340,000 for women, but ASFA recommends $630,000 for a comfortable retirement. See where you stand and what to do next.
How Superannuation Is Calculated in Australia: Rates & Super % Explained (2026)
How superannuation is calculated in Australia: Learn how employer contributions, wages, and investment returns work together to grow your retirement savings in 2026.
Superannuation Withdrawal Rules in Australia (2026): The Complete ATO Guide
Most Australians know they can’t touch their super until retirement, but fewer know exactly when that is, what conditions apply, and how tax works on withdrawals. This 2026 guide covers preservation age, conditions of release, lump sum vs account-based pension, withdrawal tax, and when early access is actually legal.
How Many Australians Retire With Less Than They Need? Master Your Retirement Strategy
Most Australians dream of a comfortable retirement but the reality is many stop working with far less than they expected. Discover why this happens, what the numbers really say, and how you can avoid becoming part of the statistic.
Industry vs Retail Super Funds: Should You Stick with Big Super or Take Control?
When it comes to your superannuation, bigger isn’t always better. In this episode of the Wealthlab Podcast, released on 29 May 2025, hosts Scott Jackson CFP® and Phil Sproule tackle one of Australia’s most debated financial topics: Industry Super vs Retail Super Funds.
Biggest Retirement Mistakes Australians Make (And How to Avoid Them) 2026
The biggest retirement mistakes Australians make aren’t dramatic blunders. They’re quiet, easy-to-miss decisions made in the final years of work that quietly cost thousands. From leaving super in accumulation too long to misreading the Age Pension assets test, this guide covers the most common retirement planning mistakes in Australia and exactly what to do instead.
Australian Retirement Trust: How to Make Extra Contributions and Boost Your Super
Is it worth making extra super contributions before 60? Learn how boosting your super early can save tax, grow faster, and set you up for a comfortable retirement.
How Much Passive Income Do I Need to Retire Early? (2026 Guide for Australians)
How much passive income do I need to retire early in Australia? Learn how to calculate your early retirement number, build income streams, and achieve financial independence.
Can Retirement Cause Depression? (Understanding the Hidden Side of Retirement in Australia)
Can retirement cause depression? Learn why some Australians struggle with post-retirement emotions, what signs to watch for, and how to build a happier, purpose-driven retirement.
How Do I Know If I’m Ready to Retire?
Thinking about retirement? Here’s how to know if you’re truly ready financially and emotionally. Discover the 7 key signs you’re prepared for life after work.
Is $1 Million Enough to Retire in Australia in 2026? Full Breakdown
We break down exactly what a $1 million retirement looks like, how long it can last, what lifestyle it can support, and what decisions can help make your savings stretch further.
Can I Retire at 55 in Australia? Your Complete Early Retirement Guide
Yes, you can retire at 55 in Australia. There is no law that prevents you from stopping work at any age. The challenge is that for most Australians (anyone born after 30 June 1964), you cannot access your superannuation until age 60, and the Age Pension does not begin until 67.
Retiring at 55 creates two income gaps you must fund independently: a 5-year gap before super access, and a 7-year gap before pension eligibility.
Most Australians who retire successfully at 55 need a total of $1.2 to $1.8 million in combined assets across super and non-super savings, depending on lifestyle, home ownership, and spending targets.
The specific number depends on how the money is structured across the three retirement phases: the gap years (55 to 59), super access (60 to 66), and pension-supported retirement (67 and beyond).
This guide covers when you can actually access your super, how much super is generally required to retire at 55, how to fund the gap years, and how to build a three-phase plan that lasts 35 or more years.
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