Retirement and the ten or so years leading up to it could be the best years of our lives, if we approach them with curiosity and intent.
We all know retirement has changed fundamentally as current generations tackle it. It’s not a time to stop and sit back anymore, or a time to be put out to pasture by your employer. Modern retirement and the ten or so years leading up to it could, in fact, be the best years of our lives, if we approach them with curiosity and intent. But what do we need to be intentional about?
It leans heavily back on how you’ve looked after your body so far, and how you intend to look after it in the future. If you plan to look after yourself well, you might want to consider that in your self-picture, so you set the right goals, ambitions and curiosity in place to keep yourself fulfilled over your long life.We all have goals in our first half of life but we often overlook setting them for the second half, other than our holiday goals .
You might be planning to draw an age pension and supplement it with a small income stream from your superannuation, or you might be planning an entirely self funded retirement. Both need you to build your confidence up.And you can do that by properly understanding your budget, and knowing how the systems of retirement really work to support you. The age pension, concessions and the superannuation system.
In reality, you don’t have to retire fully until you no longer want to work. You can just keep adapting the work you do to better fit the life you want to live in the second half.When you get close to paying down your mortgage you suddenly become one of the most undesirable customers of the big banks. And yet, that’s when you need a bank to give you great interest rates on your cash.
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