How Much You ACTUALLY Need to Retire at 60 in Australia

Thinking about retiring at 60 in Australia? The big question isn’t just “How much super do I need?” — it’s "What kind of life do I actually want my money to fund?" In this video, I break down what retirement at 60 can really look like for Australians, including how much you may need to spend each year, the role of superannuation and the Age Pension, inflation, investment returns, housing, travel, part-time work and why a single retirement number doesn’t tell the whole story. We’ll look at ASFA’s 2026 comfortable retirement benchmarks, why retiring at 60 is very different from retiring at 67, how rules like the 4% rule can be useful without being a personal retirement plan, and why keeping some money invested could matter when your retirement may last 30–35 years or more. TIMESTAMPS 00:00 How much do you need to retire at 60? 00:50 What a comfortable retirement really costs 02:53 Savings targets and withdrawal rates 03:41 Investing for a long retirement 04:55 Retirement ages and accessing your super 05:59 Funding retirement before 60 06:33 Turning super into retirement income 07:19 Changing expenses and inflation 08:19 How part-time work can help 09:20 Retirement balances and the 4% rule 10:33 How housing changes your retirement number 11:00 Finding purpose after work 11:49 Working out your retirement plan 👇 Let me know in the comments. Subscribe for more straight-talking Australian finance videos about investing, super, retirement and building wealth. Legal Disclaimer This video is provided for general educational and informational purposes only. It does not constitute financial product, investment, tax or legal advice and should not be relied upon as a recommendation to buy, sell or hold any financial product or adopt any investment strategy. The information does not consider your objectives, financial situation, needs or personal circumstances. Aussie Money With Ollie does not hold an Australian Financial Services license. Before making any financial decision, consider seeking independent advice from an appropriately licensed Australian financial adviser, registered tax agent or qualified legal professional. All figures, calculations, yields, tax information, projections and examples are illustrative only and may change. Investing involves risk, including market volatility, reduced or suspended dividends and the possible loss of capital. Past performance is not a reliable indicator of future performance, and future returns are not guaranteed. 💬Creator Note AI tools were used to help create this video. Every element has been thoughtfully guided, reviewed and crafted with love and care to help Australians feel empowered, build financial confidence and make smarter money decisions. Thanks for watching!💛 #RetirementAustralia #Superannuation #RetireAt60 #AustralianFinance #RetirementPlanning #AussieMoneyWithOllie