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Your Retirement, Your Number: The Real Math Behind the Dream

7 Aug 2025 · 36:12 · Watch on YouTube

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Your Retirement, Your Number: The Real Math Behind the Dream

What does a comfortable retirement really look like in Australia?

Rachael Todman and Robert Goudie break down the numbers using real-life retirement income benchmarks and financial modelling for singles and couples—both homeowners and renters.

They explore the difference between comfortable and modest retirement income standards, and explain how factors like home ownership, rental costs, inheritance, superannuation, and the age pension affect how much you really need to save.

They model a range of real-life scenarios, including:

- A single renter at 67
- A single homeowner at 67
- A couple planning for modest living at 67
- A couple expecting a large inheritance
- A couple retiring early at 55

They also discuss how spending habits change over time, and why it’s important to enjoy your retirement early while you’re healthy enough to make memories.

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Advice Disclaimer || Any advice given by the presenter/s has been prepared without considering your individual objectives, financial situation or needs. So, before you act on the advice you should think about whether the advice suits your objectives, financial situation or needs. If the advice relates to acquiring a financial product you should obtain a copy of the Product Disclosure Statement for that product and consider it before making a decision. This presentation has been prepared by Consortium Private Wealth Pty Ltd (ABN 74 616 250 965) (AFSL 495401). If you require advice which takes into account your objectives, financial situation and needs you should speak to a financial adviser.

Robert Goudie (ASIC Reg 235974), Ashley Rowan (ASIC Reg 433899), Olivia Glare (ASIC Reg 1262290), Rachael Todman (ASIC Reg 1270413) & Amy Lehmann (ASIC Reg 1292710) are Authorised Representatives of Consortium Private Wealth Pty Ltd ABN 74 616 250 965 AFS Licence 495401.

The information provided in this article is general in nature only and does not constitute personal financial advice.