Retirement isn’t a single chapter — it’s three. In The Midlife Shift podcast, Rachel Lane joins actuary Stephen Huppert and host Alex Brooks to explore the “go-go”, “slow-go”, and “no-go” years — and why planning early can make all the difference.
🎥 WATCH the podcast below, OR 🎧 LISTEN HERE
Understanding the real risks of retirement
Stephen Huppert defines risk not as something to fear, but as “the chance of not achieving your goals.” In retirement, the biggest risk is longevity — not knowing how long your money needs to last. The longer you live, the more other risks, like health or market volatility, can affect your lifestyle.
Health span vs life span
Rachel Lane points out that while Australians are living longer, our “health span” — the years we enjoy good health — hasn’t kept pace. Many people plan to stay in their family home forever, but that’s not always realistic. Most people receiving aged care don’t live in nursing homes; they’re in retirement communities, land-lease developments, or granny flats — and understanding these options early gives you more control later.
Housing choices that shape your future
Your home can be your greatest asset — and your greatest risk. Downsizing (or “rightsizing”) can free up funds, improve access to services, and reduce isolation, but the wrong move can limit your options later. Rachel warns that modifying a family home for care needs can sometimes reduce its value — and urges people to consider community connection and accessibility as part of their housing plan.
Avoiding the “beans on toast” trap
Many retirees are so worried about running out of money that they underspend early on. Rachel and Stephen agree this fear can rob people of enjoying their go-go years. Having a solid plan — and reviewing it regularly — builds confidence and helps you make the most of life now while preparing for later.
Rethinking financial advice
Financial advice isn’t just about investments; it’s about structure, strategy, and confidence. As Rachel explains, “Don’t ask what the price of advice is — ask what the value is.” Good advice should help you see how your plan performs through each phase of retirement.
Ready to make your plan?
Find a qualified Retirement Living and Aged Care Specialist financial adviser near you through Aged Care Gurus — experts who can help you downsize, plan ahead and make confident decisions about your future.
