Thinking about reducing your work days closer to retirement?

The fear is usually, *what if I wreck my retirement?*
Before dropping a day, get clear on the gap.
What income do you lose, and which costs might reduce, commuting, meals, stress spending.
Next, run a retirement pressure test.
Look at your super balance, retirement age, spending, debt, and whether you can still contribute enough to stay on track.
Then trial it before you commit.
For three months, simulate a four-day pay by putting the difference into savings.
If life still works and savings don’t unravel, that’s a strong sign.
Cutting back can be a smart move when it protects your health and helps you work longer overall.
General advice only. Consider professional advice before making changes.

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