You can feel “close to retirement” and still have no clear idea whether your plan holds up. We put a spotlight on the big gaps people miss by running a Retirement Plan Audit, a simple checklist that turns vague intention into practical steps you can action today.

We start where the pressure usually sits: debt. If a home loan or other non-deductible debt stretches into retirement, it can quietly drain your cash flow and limit choices later. We also unpack what happens if you die with a mortgage, why the debt becomes an estate issue, and why wills and powers of attorney belong in the same conversation as superannuation and investing.

From there we shift into lifestyle and spending, because your retirement income target is really about how you want to live. We talk through how to picture retirement in a realistic way, why a spending range is more useful than a perfect budget, and how modelling your capital (super, shares, cash, property) with conservative assumptions can reduce the fear of running out of money. Listener calls bring the rules to life: how ASFA defines “comfortable”, what to do if you receive money after 75, the quirks of super contribution deadlines and mandated employer contributions, the Centrelink gifting rules when helping family, and the key contribution caps that matter when an inheritance lands.

If you want retirement planning advice that’s grounded in Australian super rules, Age Pension realities, and clear next steps, press play. Subscribe, share this with someone who’s putting it off, and leave a review with the one retirement question you want answered next.

DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

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