How does retirement with super actually work, and how do you know when you've got "enough"? In episode 4 of our five-part series helping Aussie women get super at Super, proudly brought to you by Australian Retirement Trust, Molly sits down with superannuation expert Ruth to unpack exactly what happens to your money once you retire, practical answers for women who want to feel in control of their retirement income.

Whether you've been putting off thinking about "what happens next" with your super, aren't sure if you need to notify your fund the moment you retire, or just want to know how much is actually "enough," this episode is for you.

In this episode, you'll learn:

• Why you don't have to touch your super the moment you retire, and when it makes sense to leave it invested
• The difference between taking a lump sum and setting up an income account (and why most people don't realise they have a choice)
• Why your super keeps earning returns even after you retire, and why running out is less common than you'd think
• The real tax perks of moving your money into an income account after 60
• What "comfortable retirement" actually costs for a single woman vs a couple, in real numbers
• How the Age Pension asset and income tests work (and why your home isn't counted)
• How to think about your super independently from your partner's, including what happens if you separate or they pass away
• Why healthcare and aged care costs deserve a place in your planning, even though they're hard to predict
• The biggest mistakes women make with their super at retirement
• The single most powerful move you can make if you're 10 years out from retiring

Perfect for: Australian women approaching retirement, anyone who's ever wondered "do I have enough?", and women who want to make sure their super works as hard for them in retirement as it did while they were saving it.

The biggest takeaway from this episode? Your super doesn't stop working for you the day you retire, and there's more flexibility (and more of a safety net) than most women realise. 🎧

The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.

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The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.

Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.

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