Episode
START HERE: How Do You know if You Can Afford to Retire?
- Podcast
- SugarMamma’s Fireplay
- Published
- Apr 25, 2026
- Duration seconds
- 999
- Processing state
not_requested
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Summary
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 &ndash…