Retire Right 408 Retiring before 65, super vs shares at 60, contribution decisions and buying a caravan
8 snips
Feb 18, 2026 
Martin McGrath, financial adviser at Financial Edge Group who helps people with practical retirement and investment planning. They discuss why retirement is often modelled at 65 and when retiring earlier makes sense. They debate borrowing to buy a caravan now versus waiting for super access. They cover whether to prioritise super or shares at age 60 and sensible contribution tactics.
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Retirement Has No Fixed Age
- There is no single retirement age; social norms like 65/67 shape expectations rather than necessity.
- Plan retirement around your finances and life goals, not an arbitrary age baked into the psyche.
Clients Who Died Soon After Retiring
- Glenn recounts clients who died soon after retiring, highlighting the cost of delaying meaningful life choices.
- Those stories motivate thinking about retiring earlier to enjoy life while healthy.
Segment Your Pre- and Post-60 Planning
- Break retirement planning into segments for pre-60, 60–67, and 67+ funding needs.
- Map cashflow for each segment and test if assets will last through each phase before retiring early.