I’ve never been the type to worry about the future too much but when I turned 55 last year, it dawned on me that that this is the age people start retiring.

Well I love my job and I’m certainly not ready to stop working yet but it’d be great to be in a position to retire in the next ten years.

So I figured it was time to get my act together. I went to see Jill in August last year.

My salary is fairly good and I had just been hit with a whopping tax bill so I thought that was a good a time as any to get my finances sorted.

Jill said I was wasting a lot of potential retirement saving paying tax at my marginal tax rate and helped me come up with a plan to boost my super instead.

Basically I salary sacrifice a chunk of my salary into super, and this money is only taxed at 15% as long as I wait until I’m 60 to draw it out. And since I’m over 55 I can use a pre-retirement income stream to top up my income, so my take home pay stays the same.

I’m glad I went to see Jill, she’s got me on track to a better retirement without me having to lift a finger.

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