If the stock market crashes the year you retire, selling your investments to fund your lifestyle permanently locks in those losses. This is called the “Bad Timing Tax.” To prevent it, you need a cash buffer that covers your living expenses while your main investments recover.
Many hard-working Australians fear losing their identity and purpose when they stop working. To fix this, you must build a daily routine that replaces the social connection, mental challenge, and steady paycheck your career provided. You need a clear plan for your time, not just your money.
Worried about the $3m super tax cap? Learn how spouse equalisation and re-contribution strategies can protect your family’s wealth. A Sunlit Path guide.
