Check out PocketSmith here:

http://pocketsmith.com/fireplay

So you’ve built up a strong super balance but still feel unsure about retiring — you are not alone.

In this Start Here episode, Canna answers a powerful listener question:

“I have $830,000 in super and I’m in my early 60s… but how do I know if I can actually afford to retire?”

Retirement isn’t just about hitting a number. It’s about knowing whether your superannuation can safely generate income for 20–30 years — while protecting you from inflation, market volatility and longevity risk.

In this episode, Canna breaks down:
How to calculate how much you really need to live each year
How long your retirement savings may need to last
The importance of investment strategy inside super
What an account-based pension (allocated pension) actually is
How super is taxed in pension phase (0% earnings tax explained)
Minimum drawdown rates after age 60
When super withdrawals are tax-free
The role of the Age Pension in later retirement
The “Sleep Well Strategy” — holding 2 years of expenses in cash
Why emotional readiness matters just as much as financial readiness
Why professional retirement modelling is essential before you resign

Whether you have $300,000 or $3 million in super, this episode will help you ask better questions, reduce uncertainty and prepare properly for retirement.

Retirement isn’t about guessing.

It’s about designing your next chapter with clarity and structure and getting professional advice when needed. 

🧭 Episode Breakdown

00:00 – Listener Question: “Is $830,000 enough?”

04:00 – How much do you actually need per year?

08:00 – Longevity risk & inflation explained

12:00 – How your super is invested matters

16:00 – The Sleep Well Strategy (2 years in cash)

19:00 – What is an allocated pension? (Tax-free income explained)

23:00 – Minimum withdrawal rates & lump sum rules

26:00 – Age Pension strategy & asset tests

29:00 – Emotional readiness & purpose in retirement

32:00 – Why retirement modelling with a financial planner is essential

📚 My Books

If you’re ready to deepen your financial knowledge, check out my books:
Best Seller:The $1000 Project
**Mindful Money](https://amzn.to/3RV0poc)
Motivated Money by Peter Thornhill(a huge inspiration for me): Read it here

(These are Amazon affiliate links to my own books.)

💡 Work With Me

Want more support on your financial journey? Here’s how we can work together:
The SugarMamma Budget & Cashflow Academy
Sick of living paycheque to paycheque or feeling overwhelmed by your money?
This course includes aone-on-one appointment with me so I can personally help you.
👉 Enrol here
Money Mindset & Manifestation Mentorship
Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. Get started here.

🌟 Stay Connected & Inspired
Instagram:@SugarMammaTV — money, budgeting, cashflow & motivation
Instagram:@CannaCampbellofficial — lifestyle, capsule wardrobe fashion, motherhood
TikTok:@SugarMammaTV
YouTube:SugarMammaTV — over 500 bite-sized videos with more than 12 million views!
Website:SugarMammaTV.com
Don’t forget my other podcast:How Do They Afford That? 👉 Listen here

⚖️ General Advice Warning

While we discuss financial topics, everything shared here is general information only — never personal, product, or investment advice. Always:
Do your own research.
Weigh up the pros, cons, fees, caps, taxes, and risks.
Seek professional advice before making financial decisions.

📜 Financial Planning License Details

The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate.

Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN 97 678 975 589).

 

 

Check out PocketSmith here:
<a href="http://pocketsmith.com/fireplay">http://pocketsmith.com/fireplay</a>
So you&rsquo;ve built up a strong super balance but still feel unsure about retiring &mdash; you are not alone.
In this Start Here episode, Canna answers a powerful listener question:
&ldquo;I have $830,000 in super and I&rsquo;m in my early 60s&hellip; but how do I know if I can actually afford to retire?&rdquo;
Retirement isn&rsquo;t just about hitting a number. It&rsquo;s about knowing whether your superannuation can safely generate income for 20&ndash;30 years &mdash; while protecting you from inflation, market volatility and longevity risk.
In this episode, Canna breaks down:
<ul>
<li>How to calculate how much you really need to live each year</li>
<li>How long your retirement savings may need to last</li>
<li>The importance of investment strategy inside super</li>
<li>What an account-based pension (allocated pension) actually is</li>
<li>How super is taxed in pension phase (0% earnings tax explained)</li>
<li>Minimum drawdown rates after age 60</li>
<li>When super withdrawals are tax-free</li>
<li>The role of the Age Pension in later retirement</li>
<li>The &ldquo;Sleep Well Strategy&rdquo; &mdash; holding 2 years of expenses in cash</li>
<li>Why emotional readiness matters just as much as financial readiness</li>
<li>Why professional retirement modelling is essential before you resign</li>
</ul>
Whether you have $300,000 or $3 million in super, this episode will help you ask better questions, reduce uncertainty and prepare properly for retirement.
Retirement isn&rsquo;t about guessing.
It&rsquo;s about designing your next chapter with clarity and structure and getting professional advice when needed.&nbsp;
🧭 Episode Breakdown
00:00 &ndash; Listener Question: &ldquo;Is $830,000 enough?&rdquo;
04:00 &ndash; How much do you actually need per year?
08:00 &ndash; Longevity risk &amp; inflation explained
12:00 &ndash; How your super is invested matters
16:00 &ndash; The Sleep Well Strategy (2 years in cash)
19:00 &ndash; What is an allocated pension? (Tax-free income explained)
23:00 &ndash; Minimum withdrawal rates &amp; lump sum rules
26:00 &ndash; Age Pension strategy &amp; asset tests
29:00 &ndash; Emotional readiness &amp; purpose in retirement
32:00 &ndash; Why retirement modelling with a financial planner is essential
📚 My Books
If you&rsquo;re ready to deepen your financial knowledge, check out my books:
<ul>
<li>Best Seller:<a href="https://amzn.to/3RV0Bnq">The $1000 Project</a></li>
<li>**Mindful Money](<a href="https://amzn.to/3RV0poc">https://amzn.to/3RV0poc</a>)</li>
<li>Motivated Money by Peter Thornhill(a huge inspiration for me):&nbsp;<a href="https://amzn.to/40rn2Vr">Read it here</a></li>
</ul>
(These are Amazon affiliate links to my own books.)
💡 Work With Me
Want more support on your financial journey? Here&rsquo;s how we can work together:
<ol>
<li><a href="https://courses.sugarmamma.tv/Signup">The SugarMamma Budget &amp; Cashflow Academy</a> Sick of living paycheque to paycheque or feeling overwhelmed by your money? This course includes aone-on-one appointment with me&nbsp;so I can personally help you. 👉&nbsp;<a href="https://courses.sugarmamma.tv/Signup">Enrol here</a></li>
</ol>
<ol>
<li><a href="https://www.sugarmamma.tv/online-courses/">Money Mindset &amp; Manifestation Mentorship</a> Join my program for ongoing support, clarity, and motivation around the way to show up and work on your financial goals and dreams, including attracting the life that you want. <a href="https://www.sugarmamma.tv/online-courses/">Get started here</a>.</li>
</ol>
🌟 Stay Connected &amp; Inspired
<ul>
<li>Instagram:<a href="https://www.instagram.com/sugarmammatv">@SugarMammaTV</a>&nbsp;&mdash; money, budgeting, cashflow &amp; motivation</li>
<li>Instagram:<a href="https://www.instagram.com/cannacampbellofficial">@CannaCampbellofficial</a>&nbsp;&mdash; lifestyle, capsule wardrobe fashion, motherhood</li>
<li>TikTok:<a href="https://www.tiktok.com/@sugarmammatv">@SugarMammaTV</a></li>
<li>YouTube:<a href="https://www.youtube.com/c/SugarMamma">SugarMammaTV</a>&nbsp;&mdash; over 500 bite-sized videos with more than 12 million views!</li>
<li>Website:<a href="http://www.sugarmammatv.com/">SugarMammaTV.com</a></li>
<li>Don&rsquo;t forget my other podcast:How Do They Afford That?&nbsp;👉&nbsp;<a href="https://podcasts.apple.com/au/podcast/how-do-they-afford-that/id1644255235">Listen here</a></li>
</ul>
⚖️ General Advice Warning
While we discuss financial topics, everything shared here is&nbsp;general information only&nbsp;&mdash; never personal, product, or investment advice. Always:
<ul>
<li>Do your own research.</li>
<li>Weigh up the pros, cons, fees, caps, taxes, and risks.</li>
<li>Seek professional advice before making financial decisions.</li>
</ul>
📜 Financial Planning License Details
The information in this podcast does not take into account your personal circumstances, goals, or needs. Always read relevant Product Disclosure Statements before acquiring any financial product, and seek independent financial advice where appropriate.
Canna Campbell is an&nbsp;Authorised Representative and Financial Adviser&nbsp;of Links Licensee Services Pty Ltd (AFSL No. 700012 | ABN <a href="tel:97 678 975 589">97 678 975 589</a>).
&nbsp;
&nbsp;

Having been a Financial Planner for over 15 years, I have seen first hand how money problems can breed stress. Often, people make wrong money decisions because the world of finance can be intimidating and confusing. This podcast cuts through the jargon and provides practical, accessible financial education and empowerment - so you can build sustainable wealth and help achieve financial freedom. You will also hear real-life success stories from people who have transformed their finances and be empowered by valuable advice from industry experts. So join me for the start of a bold and brilliant financial future and growing community. For immediate access to all my content follow @SugarMammaTV@CannaCampbellofficial xCC

SugarMamma’s Fireplay

START HERE: How Do You know if You Can Afford to Retire?

https://api.omny.fm/orgs/2fb3740d-3436-44af-8cc0-a91900716aa5/clips/69e18929-7f5f-4895-9bb2-b3ff007ca7b6/transcript