Given 5 to 10 years big differences can be made to outcomes
Contributing to super both pre and after tax
Carefully using accumulated leave, long service and annual to road test what your retirement will look like
As an example having 12 months of leave , many have initially thought save it up and then take as one long event at the end retire
That has you on the books for 12 months
This is a high failure plan , because effectively you go cold turkey
The idea is to use the leave to test out what retirement will look like , spending two months at home that could effectively still have you employed for another two or so years longer. Building a bigger base at he same time emotionally settling into .. I am no longer required to be somewhere ie work and I am ok with that
That my self esteem is not tied to work and that I have a sense of purpose to my day
Holidays planned , hobbies , community engagement , family all perfectly blended together