Five steps to prepare for retirement: a couple’s 2027 case study

On this episode

About this episode

Could you retire next year with a mortgage, an investment property and two different super balances? In this Australian Retirement Podcast episode, Owen Rask and financial adviser Tahli Cavagnino work through a hypothetical couple’s plan, showing why retirement is less about one magic number and more about the order of decisions. David and Michelle hope to stop work in June 2027. Their home still has a mortgage; they also hold super, shares, savings, an investment property with a loan, and cash in David’s company. Tahli begins not with an investment product, but with the question that shapes every other step: what will they actually need to spend? She separates regular bills, discretionary…