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href="/topic/ageing-1mq3">Ageing</a></li></ul><script type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.watoday.com.au/money","name":"Money"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.watoday.com.au/money/super-and-retirement","name":"Super & retirement"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.watoday.com.au/topic/ageing-1mq3","name":"Ageing"}}]}</script></div><div class="_379lD"><div class="_3la2-"><h3 class="_2DnPg">Opinion</h3><h1 data-testid="headline" itemProp="headline">How do you know when you’re ready to retire?</h1></div><div class="_3Q4pX"><div class="_1edoU"><div class="_1bFgK"><h5 itemProp="author" itemscope="" itemType="http://schema.org/Person"><span><span data-testid="byline"><a href="/by/bec-wilson-p536ww" title="Articles by Bec Wilson">Bec Wilson</a></span></span></h5><span class="_2wzd6" hidden="">Money contributor</span></div><div class="_3Jb6E"> <span class="_2xetH"><time class="_2_zR-" data-testid="datetime" dateTime="2024-10-05T03:01:00+08:00">October 5, 2024 — 3.01am</time></span></div></div></div></div></header><section class="_3OhA4 Lspjx"><div class="_2h56q _2bGxr"><div class="_3J1te"><div class="_3kTtc"> <span class="_2xetH"><time class="_2_zR-" data-testid="datetime" dateTime="2024-10-05T03:01:00+08:00">October 5, 2024 — 3.01am</time></span></div></div></div><div class="_2CSKo noPrint"><div class="_1KqZ_"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" 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data-ffx-event-label="font size large" data-ffx-event-value="0" data-ffx-hittype="event">Larger text size</button><button class="_3VkdU" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size extra large" data-ffx-event-value="0" data-ffx-hittype="event">Very large text size</button></div></div></div></div></section><section class="_1Rw6X" data-testid="article-body-top"><aside class="_2GZaf"><div class="_1q-_I _3sCHz"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-160x600_300x250_300x600-pos2-desktop"></div></div></div></div></aside><div class="_1ysFk" data-testid="article-body"><div><div class="_3Bdnp"><span class="_39jZS">A six-part series looking at how and why retirement is being reimagined as a pivot to the next meaningful phase of life.</span><a class="Ad23A" data-testid="collection-promo" data-ffx-event-action="collection promo action" data-ffx-event-category="collections" data-ffx-event-value="0" data-ffx-hittype="event" href="/national/the-new-retirement-20241015-p5kij4.html">See all 9 stories.</a></div><div class="_5JLqO"><div class="_1Ld7U" id="beyondwords-player"></div><div class="_3Fhwk" data-testid="showPlayerOverlay"></div></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>There’s no magic warning light that comes on in life telling you it’s time to retire, and the templates we used to map our lives to have been broken by increasing longevity – leaving us with no real ‘retirement age’.</p><p>Instead, we are limited by how our body, mind and spirit hold together in the second half of our life. That means choosing the right time to retire is in your hands – or, at the very least, it could be, if you are proactive.</p><figure class="_3ujPS _3g3zI _4vIBa _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.167%2C$multiply_0.6988%2C$ratio_1.776846%2C$width_1059%2C$x_0%2C$y_233/t_crop_custom/q_86%2Cf_auto/d924558e021ec91520fe12d6a03d0e1dde2b5c48, https://static.ffx.io/images/$zoom_0.167%2C$multiply_1.3975%2C$ratio_1.776846%2C$width_1059%2C$x_0%2C$y_233/t_crop_custom/q_62%2Cf_auto/d924558e021ec91520fe12d6a03d0e1dde2b5c48 2x" height="417" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.167%2C$multiply_0.7252%2C$ratio_1.776846%2C$width_1059%2C$x_0%2C$y_233/t_crop_custom/q_86%2Cf_auto/d924558e021ec91520fe12d6a03d0e1dde2b5c48, https://static.ffx.io/images/$zoom_0.167%2C$multiply_1.4504%2C$ratio_1.776846%2C$width_1059%2C$x_0%2C$y_233/t_crop_custom/q_62%2Cf_auto/d924558e021ec91520fe12d6a03d0e1dde2b5c48 2x" height="433" width="768"/><img alt="It used to be that knowing when to retire was a relatively simple calculation, but these days its much more complex." src="https://static.ffx.io/images/$zoom_0.167%2C$multiply_0.5855%2C$ratio_1.776846%2C$width_1059%2C$x_0%2C$y_233/t_crop_custom/q_86%2Cf_auto/d924558e021ec91520fe12d6a03d0e1dde2b5c48" height="349" width="620" srcSet="https://static.ffx.io/images/$zoom_0.167%2C$multiply_0.5855%2C$ratio_1.776846%2C$width_1059%2C$x_0%2C$y_233/t_crop_custom/q_86%2Cf_auto/d924558e021ec91520fe12d6a03d0e1dde2b5c48, https://static.ffx.io/images/$zoom_0.167%2C$multiply_1.1709%2C$ratio_1.776846%2C$width_1059%2C$x_0%2C$y_233/t_crop_custom/q_62%2Cf_auto/d924558e021ec91520fe12d6a03d0e1dde2b5c48 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">It used to be that knowing when to retire was a relatively simple calculation, but these days its much more complex.</span><cite class="ojLwA"><span class="_30ROC">Credit: </span>Getty</cite></p></figcaption></figure><p>The reality is people aren’t proactive enough. Only 31 per cent of people retire by choice in Australia today. The rest are retrenched or retire for one two other reasons – their health declines, forcing them to; or they must care for a loved one whose health is declining. When you don’t choose retirement consciously, it can be much more difficult to adapt to.</p><p>When I speak to employers with an older workforce, they want people to be more proactive too. More employers than ever say that they’d like their employees to better understand how to build financial security for retirement in midlife.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Then, they’d like them to contemplate their choices as they reach that financial security that allows them to lean into the good bits of life a little more. They point out that they’d rather not push people who are struggling with cognitive or health issues into redundancy or retirement.</p><p>They’d much rather people choose to enter the next stage of their life with goals in place, excited about their plans before their health or cognitive ability declines. So, how do you know when you’re ready to retire?</p><h3>1. You’ve worked out when you’ll have ‘enough’</h3><p>Knowing how much money you think is enough for you to retire, or to start stepping back from full-time work is important. Everyone approaching retirement should know their ‘enough number’ – how much they need to retire at the standard of living they are satisfied to live at for the rest of their lives.</p></div></div></div></section><div class="_1FVfK"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-728x90_970x250-pos3-desktop"></div></div></div></div><section class="vPaWe" data-testid="article-body-bottom"><div class="_1ysFk"><div><div class="_1665V _2q-Vk" data-testid="body-content"><p>You calculate this by understanding your assets and liabilities, building your cost-of-living budget and laying out how much you’ll need to chase your epic retirement dreams; and finally, by projecting the income you can make each year from your financial assets – superannuation and investments.</p><p>Then, lay that alongside any age pension you’ll be eligible for. Most people look to replace about 80 per cent of their pre-retirement salary.</p><blockquote class="Zfkcv" data-testid="pull-quote"><p>There’s an opportunity to talk more about how a well-supported, flexible and progressive approach to retirement can be good for everyone.</p></blockquote><p>Knowing how much is <i>enough</i> to retire, or to start stepping back from full-time work, and understanding when you might reach that point gives you the power and the confidence to plan for the exciting years ahead and start to bring those plans to life. </p><p>Remember, you don’t have to retire when you get to ‘enough’, but knowing you have the choice can be extremely empowering.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><h3>2. You understand how your money will work in the next phases of life</h3><div class="ymInT _3uJpn _3by58 noPrint"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div><p>If you’re contemplating part-time and later full-time retirement, you need to know how money works after you stop getting a large pay cheque.</p><p>This requires you to understand your income sources well, and know how you’ll layer them together to create an income stream you can rely on. In the first years, while you’re still working part-time, you might use a transition to retirement income stream which allows you to access up to 10 per cent of your super as an income stream from the age of 60.</p><p>Or, if you meet the conditions of release, by passing the age of 60 and leaving your job, you can shift your superannuation into retirement phase. Or, you can keep working after 65 and access your super unconditionally.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>And finally, access to the age pension kicks in from 67, if you’re eligible, which can be a big help in lifting your retirement income.</p><h3>3. You recognise if you’re feeling dead inside</h3><p>Not everyone feels this – but some certainly do as their retirement starts to call them – a sense that you’re just going through the motions every day, doing what needs to be done but without any real motivation to keep up with the changes in the workplace or stay at the forefront.</p><p>Work might seem like it’s lost its spark, or like your routine has become a never-ending rut. I call this trigger ‘inner death’ because that’s exactly what it feels like.</p><p>The excitement of work is gone, nothing ignites your curiosity, nothing gives you a sense of achievement, and your passions feel neglected – or you feel dispassionate. You might even feel like your life is focused on things that just don’t seem to matter anymore.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><h3>4. You have built up some other priorities to look forward to</h3><div class="ymInT _3uJpn _3by58 noPrint"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div><p>Have you ever met someone in pre-retirement who is excited about their upcoming trips, their incoming grandchildren and their exciting and relatively new pursuits, and they can’t wait to have more time for each?</p><p>I want you to try to become one of these. You do that by consciously investing in your interests outside the workplace, your family, and things that stimulate your curiosity as you head through midlife and into the years before retirement calls.</p><p>It’s healthy to keep learning, growing and building your interests and not all of them should be aligned with your career any more because one day your career will not be the most important thing in your life.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><h3>5. You contemplate taking it slow – but not stopping</h3><p>Retirement doesn’t mean stopping work altogether any more. There’s increasing support from employers and employees for a period of life where we work with greater flexibility – and perhaps that allows us to work longer in life, but with less pressure to work full time through our later years of life.</p><p>Government legislation obligates employers to support their staff with flexibility after the age of 55. Most employers see it as a healthy move for employees to embrace part-time work before they retire fully, partly to help them adjust, but also to help the employer better manage the transfer of knowledge from people with a lot of valuable experience.</p><p>I think there’s an opportunity to talk more about becoming retirement ready – and how a well-supported, flexible and progressive approach to retirement can be good for everyone – employees and employers. </p><p>Employees get to plan more openly for a period of part-time employment where they can right-size their work with their other goals in life, gradually building their interests outside the workplace. And workplaces get to better manage the transition of knowledge in their workplaces, rather than have it all walk out the door on one day in December.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p><strong>Bec Wilson is the author of bestseller <em>How to Have an Epic Retirement</em>. She writes a weekly newsletter at <a href="http://www.epicretirement.net/" rel="noopener" target="_blank">epicretirement.net</a> and is the host of the <em><a href="https://omny.fm/shows/prime-timewithbecwilson" rel="noopener" target="_blank">Prime Time</a></em> podcast.</strong></p><ul><li><strong>Advice given in this article is general in nature and is not intended to influence readers’ decisions about investing or financial products. 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href="/topic/pension-60f">Pension</a></li><li><a class="_2Tz1_" href="/topic/family-finance-hpl">Family finance</a></li><li><a class="_2Tz1_" href="/topic/cost-of-living-jfq">Cost of living</a></li><li><a class="_2Tz1_" href="/topic/consumer-spending-1ncf">Consumer spending</a></li></ul></div></div></section><div class="_2Cg_3"><div class="iQMz1" hidden=""><div class="_1Oml5"><a class="_3NFLJ" title="Articles by Bec Wilson" href="/by/bec-wilson-p536ww">Bec Wilson</a> is the author of How To Have An Epic Retirement and writes a weekly newsletter for pre- and post-retirees at epicretirement.net.</div></div></div><div class="noPrint"><section aria-busy="true" aria-live="polite" class="_2zaYr n422E" style="height:380px"><header class="_2qhpu"><h2 class="_2qhpu">Most Viewed in Money</h2></header><div class="_29X_Z"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div></section></div></div></div><aside class="_1ki1P noPrint"><div 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& retirement\"],\"categoryId\":38,\"asset\":{\"about\":\"It used to be that knowing when to retire was a relatively simple calculation, but these days its much more complex.\",\"allowComments\":false,\"body\":\"<p>There\\u2019s no magic warning light that comes on in life telling you it\\u2019s time to retire, and the templates we used to map our lives to have been broken by increasing longevity \\u2013 leaving us with no real \\u2018retirement age\\u2019.</p><p>Instead, we are limited by how our body, mind and spirit hold together in the second half of our life. That means choosing the right time to retire is in your hands \\u2013 or, at the very least, it could be, if you are proactive.</p><x-placeholder id=\\\"8fcb814a196a32b74e557ebf5c58d3d0e1ad014c\\\"></x-placeholder><p>The reality is people aren\\u2019t proactive enough. Only 31 per cent of people retire by choice in Australia today. The rest are retrenched or retire for one two other reasons \\u2013 their health declines, forcing them to; or they must care for a loved one whose health is declining. When you don\\u2019t choose retirement consciously, it can be much more difficult to adapt to.</p><p>When I speak to employers with an older workforce, they want people to be more proactive too. More employers than ever say that they\\u2019d like their employees to better understand how to build financial security for retirement in midlife.</p><p>Then, they\\u2019d like them to contemplate their choices as they reach that financial security that allows them to lean into the good bits of life a little more. They point out that they\\u2019d rather not push people who are struggling with cognitive or health issues into redundancy or retirement.</p><p>They\\u2019d much rather people choose to enter the next stage of their life with goals in place, excited about their plans before their health or cognitive ability declines. So, how do you know when you\\u2019re ready to retire?</p><x-placeholder id=\\\"808770d9d3949eb36d5903fb9c41b4656edf09a7\\\"></x-placeholder><h3>1. You\\u2019ve worked out when you\\u2019ll have \\u2018enough\\u2019</h3><p>Knowing how much money you think is enough for you to retire, or to start stepping back from full-time work is important. Everyone approaching retirement should know their \\u2018enough number\\u2019 \\u2013 how much they need to retire at the standard of living they are satisfied to live at for the rest of their lives.</p><p>You calculate this by understanding your assets and liabilities, building your cost-of-living budget and laying out how much you\\u2019ll need to chase your epic retirement dreams; and finally, by projecting the income you can make each year from your financial assets \\u2013 superannuation and investments.</p><p>Then, lay that alongside any age pension you\\u2019ll be eligible for. Most people look to replace about 80 per cent of their pre-retirement salary.</p><x-placeholder id=\\\"7184e69b62e58757791bf5e88a413a339b049cc0\\\"></x-placeholder><p>Knowing how much is <i>enough</i> to retire, or to start stepping back from full-time work, and understanding when you might reach that point gives you the power and the confidence to plan for the exciting years ahead and start to bring those plans to life. </p><p>Remember, you don\\u2019t have to retire when you get to \\u2018enough\\u2019, but knowing you have the choice can be extremely empowering.</p><h3>2. You understand how your money will work in the next phases of life</h3><x-placeholder id=\\\"2e014a7011a71397196c9ce1d3656b993d4fd091\\\"></x-placeholder><p>If you\\u2019re contemplating part-time and later full-time retirement, you need to know how money works after you stop getting a large pay cheque.</p><p>This requires you to understand your income sources well, and know how you\\u2019ll layer them together to create an income stream you can rely on. In the first years, while you\\u2019re still working part-time, you might use a transition to retirement income stream which allows you to access up to 10 per cent of your super as an income stream from the age of 60.</p><p>Or, if you meet the conditions of release, by passing the age of 60 and leaving your job, you can shift your superannuation into retirement phase. Or, you can keep working after 65 and access your super unconditionally.</p><p>And finally, access to the age pension kicks in from 67, if you\\u2019re eligible, which can be a big help in lifting your retirement income.</p><h3>3. You recognise if you\\u2019re feeling dead inside</h3><p>Not everyone feels this \\u2013 but some certainly do as their retirement starts to call them \\u2013 a sense that you\\u2019re just going through the motions every day, doing what needs to be done but without any real motivation to keep up with the changes in the workplace or stay at the forefront.</p><p>Work might seem like it\\u2019s lost its spark, or like your routine has become a never-ending rut. I call this trigger \\u2018inner death\\u2019 because that\\u2019s exactly what it feels like.</p><p>The excitement of work is gone, nothing ignites your curiosity, nothing gives you a sense of achievement, and your passions feel neglected \\u2013 or you feel dispassionate. You might even feel like your life is focused on things that just don\\u2019t seem to matter anymore.</p><h3>4. You have built up some other priorities to look forward to</h3><x-placeholder id=\\\"145f49418e0df6f3fda602410109e0283533c046\\\"></x-placeholder><p>Have you ever met someone in pre-retirement who is excited about their upcoming trips, their incoming grandchildren and their exciting and relatively new pursuits, and they can\\u2019t wait to have more time for each?</p><p>I want you to try to become one of these. You do that by consciously investing in your interests outside the workplace, your family, and things that stimulate your curiosity as you head through midlife and into the years before retirement calls.</p><p>It\\u2019s healthy to keep learning, growing and building your interests and not all of them should be aligned with your career any more because one day your career will not be the most important thing in your life.</p><h3>5. You contemplate taking it slow \\u2013 but not stopping</h3><p>Retirement doesn\\u2019t mean stopping work altogether any more. There\\u2019s increasing support from employers and employees for a period of life where we work with greater flexibility \\u2013 and perhaps that allows us to work longer in life, but with less pressure to work full time through our later years of life.</p><p>Government legislation obligates employers to support their staff with flexibility after the age of 55. Most employers see it as a healthy move for employees to embrace part-time work before they retire fully, partly to help them adjust, but also to help the employer better manage the transfer of knowledge from people with a lot of valuable experience.</p><p>I think there\\u2019s an opportunity to talk more about becoming retirement ready \\u2013 and how a well-supported, flexible and progressive approach to retirement can be good for everyone \\u2013 employees and employers. </p><p>Employees get to plan more openly for a period of part-time employment where they can right-size their work with their other goals in life, gradually building their interests outside the workplace. And workplaces get to better manage the transition of knowledge in their workplaces, rather than have it all walk out the door on one day in December.</p><p><strong>Bec Wilson is the author of bestseller <em>How to Have an Epic Retirement</em>. She writes a weekly newsletter at <x-placeholder id=\\\"c69f6157ab857887f824bba975ef1a078295d69a\\\"></x-placeholder> and is the host of the <em><x-placeholder id=\\\"125d6fd0cbde8d124f15905c1f8e1cc8cc140224\\\"></x-placeholder></em> podcast.</strong></p><ul><li><strong>Advice given in this article is general in nature and is not intended to influence readers\\u2019 decisions about investing or financial products. They should always seek their own professional advice that takes into account their own personal circumstances before making financial decisions.</strong></li></ul><p><b><i>Expert tips on how to save, invest and make the most of your money delivered to your inbox every Sunday. <x-placeholder id=\\\"53454c7706cf3bc0f4fcb8662aaa875dc16b886c\\\"></x-placeholder>.</i></b></p>\",\"bodyPlaceholders\":{\"125d6fd0cbde8d124f15905c1f8e1cc8cc140224\":{\"data\":{\"newTab\":true,\"noFollow\":false,\"text\":\"Prime Time\",\"url\":\"https://omny.fm/shows/prime-timewithbecwilson\"},\"type\":\"linkExternal\"},\"145f49418e0df6f3fda602410109e0283533c046\":{\"data\":{\"heading\":\"Another perspective\",\"id\":\"p5kev8\"},\"type\":\"relatedStory\"},\"2e014a7011a71397196c9ce1d3656b993d4fd091\":{\"data\":{\"heading\":\"Editor's pick\",\"id\":\"p5kdzv\"},\"type\":\"relatedStory\"},\"53454c7706cf3bc0f4fcb8662aaa875dc16b886c\":{\"data\":{\"id\":\"p5d9o2\",\"newTab\":false,\"noFollow\":false,\"text\":\"Sign up 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