The 6 pillars of an EPIC retirement

Your boss isn't going to do it for you.

It's fascinating

that framing you have there of, you know, as a working person, there's literally a currency.

It's basically I get paid.

And I've noticed a lot of people, if they're in a fortunate position where they have a decent amount of sort of retirement provision, they are still fixated on the number.

They want the number to go up and up and up in a retirement account, in a pension.

And it can be really difficult to shift the mindset and say, actually, you've got enough.

Like that's not the metric anymore.

Like there are other metrics.

It's something I think the whole world is only just learning a language for.

We have had a population who is starting to save for a time and in Australia it's been 33 years of having DC pension, a DC superannuation.

So those are the people who have to kind of use their money to fund their own.

They've been saving for decades.

You guys are 15 years-ish in to that journey, right? And not everybody has been compelled to contribute.

So the mindset becomes I save, I save, I save, I save, I save.

That's what I do.

I don't know any other language when I get to retirement.

So we actually have to teach people tricks and tools and ways of thinking about their money to put them into a new mindset.

You have permission to use this money.

I mean, in Australia, the legislated purpose of superannuation is to give people a good retirement, right? It's to make sure they have a dignified retirement is the actual word, right? So if we aren't then using it, we're squirreling it away for the next generation or we've built a culture that where our retirement savings aren't something we know how to understand to use.

And we don't feel we have permission to use them or even how to give ourselves permission.

Yeah, that's a

tragedy in its own way, isn't it? People not maximizing what they do have.

We're going to get into so much of this because we're going to go through your six pillars of an epic retirement.

This is like the manifesto, isn't it? It is.