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.

 

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/


💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25

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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.

[See omnystudio.com/listener for privacy information.]

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:
<ul>
<li aria-level="1">Why you don't have to touch your super the moment you retire, and when it makes sense to leave it invested</li>
<li aria-level="1">The difference between taking a lump sum and setting up an income account (and why most people don't realise they have a choice)</li>
<li aria-level="1">Why your super keeps earning returns even after you retire, and why running out is less common than you'd think</li>
<li aria-level="1">The real tax perks of moving your money into an income account after 60</li>
<li aria-level="1">What "comfortable retirement" actually costs for a single woman vs a couple, in real numbers</li>
<li aria-level="1">How the Age Pension asset and income tests work (and why your home isn't counted)</li>
<li aria-level="1">How to think about your super independently from your partner's, including what happens if you separate or they pass away</li>
<li aria-level="1">Why healthcare and aged care costs deserve a place in your planning, even though they're hard to predict</li>
<li aria-level="1">The biggest mistakes women make with their super at retirement</li>
<li aria-level="1">The single most powerful move you can make if you're 10 years out from retiring</li>
</ul>
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&rsquo;re still unsure, speak with a financial adviser.
&nbsp;
<a href="https://directory.ladiesfinanceclub.com/">Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! </a><a href="https://directory.ladiesfinanceclub.com/">https://directory.ladiesfinanceclub.com/</a> 
💌 Want more money tips straight to your inbox? Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites!<a href="https://www.ladiesfinanceclub.com/newsletter25"> Sign up here at https://www.ladiesfinanceclub.com/newsletter25</a>
Are we friends on Instagram? <a href="https://www.instagram.com/ladiesfinanceclub">Follow us here at https://www.instagram.com/ladiesfinanceclub</a>
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.
[See omnystudio.com/listener for privacy information.]

Welcome to Get Rich by Ladies Finance Club - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.  

We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.  

Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered.   Hit subscribe and let’s get rich (and stay rich) together.

Welcome to Get Rich by <a href="https://instagram.com/ladiesfinanceclub">Ladies Finance Club</a> - the personal finance podcast that helps women do just that: get rich and stay rich. Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game. &nbsp;
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away. &nbsp;
Whether you&rsquo;re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. &nbsp; Hit subscribe and let&rsquo;s get rich (and stay rich) together.

Ladies Finance Club - Get Rich 

Welcome to Get Rich by Ladies Finance Club- the personal finance podcast that helps women do just that: get rich and stay rich.

Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game.  

We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away.  

Whether you’re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered.  

Hit subscribe and let’s get rich (and stay rich) together.

Welcome to Get Rich by Ladies Finance Club- the personal finance podcast that helps women do just that: get rich and stay rich.
Hosted by Molly Benjamin, founder of the award-winning Ladies Finance Club and a reformed hot financial mess, this is where smart, ambitious women come to take control of their finances, grow their wealth, and level up their money game. &nbsp;
We make personal finance fun, fearless, and totally doable no matter where you're starting from. No confusing jargon, no guilt trips - just high-impact, simple money strategies that anyone can start using right away. &nbsp;
Whether you&rsquo;re saving for a home deposit, creating a budget that actually works, investing in property or the sharemarket, growing your income, or finally figuring out superannuation, this podcast has you covered. &nbsp;
Hit subscribe and let&rsquo;s get rich (and stay rich) together.