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Friends With MoneyEarn. Save. Invest. Author: Money Magazine
We all have questions about money; how to earn it, how to spend it, and the best ways to invest so we can watch it grow. The Friends With Money podcast, created by Money Magazine (Australias longest-running and most-read personal finance magazine), shares its extensive network of finance experts, in-depth knowledge of markets and timely advice to help you understand the world of money. Hosted by senior writer, Tom Watson, and editor-in-chief, Michelle Baltazar, Friends With Money is a weekly chat with a variety of credentialed guests that you wont want to miss. Listening and learning will help you on the path to financial freedom. Language: en Genres: Business, Entrepreneurship, Investing Contact email: Get it Feed URL: Get it iTunes ID: Get it Trailer: |
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One year out from retirement
Episode 251
Tuesday, 14 April, 2026
Retirement Planning in Australia: What to Do 5 Years Out, 1 Year Out & On Retirement DayThis week on Friends With Money, Money Magazine host Ryan Johnson speaks with financial adviser Nick Bruining (Netplan) about preparing for retirement from five years out through to “R-day.”They cover assessing family arrangements, assets and cash flow, likely lifestyle spending, and creating a wishlist while prioritising paying off non-deductible debt. Nick explains why life insurance often becomes less necessary as assets grow, and how to reduce investment risk in super as retirement nears while still keeping some growth for a 20–30 year retirement.They discuss boosting super via salary sacrifice, personal deductible contributions, carry-forward concessional rules for balances under $500,000, and debunk the “million-dollar myth,” noting Centrelink can meaningfully top up income. The episode also covers downsizer contributions, part pension rules while working, concession cards, and applying via myGov within 13 weeks.00:57 Five years out checklist03:25 Rethinking life insurance05:24 Super strategy and risk08:54 One year out planning11:28 Boosting super smartly14:35 Downsizing and centrelink17:10 Purpose and part pension21:10 Applying for pension cards23:55 Retirement day logisticsPodcast Links:Listen on Apple PodcastsListen on SpotifyMoney WebsiteYouTube Podcast PlaylistEmail Us: podcast@moneymag.com.auGet stories like this in our newsletter: bit.ly/3GDirbR
