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Retirement isn’t just about reaching the finish line — it’s about making sure the next phase of life is built to last.

In this episode of The Wealth Guide Podcast, the team is joined by David, Jack, and Ricky to unpack some of the most common retirement mistakes people make, and why the biggest risks often aren’t the obvious ones. From poor timing and withdrawal decisions to underestimating longevity, inflation, tax, and emotional reactions to market movements, this conversation explores the silent errors that can quietly chip away at financial confidence.

The episode also breaks down the shift from accumulation to retirement income, why a “set and forget” mindset no longer works once you stop earning a regular wage, and how strategies like bucketing, liquidity planning, and realistic income expectations can help create stability through different market conditions.

There’s also a strong reminder throughout the conversation that retirement planning is not something to leave until the last minute. Whether you’re decades away or getting closer to the transition, the earlier you understand what your lifestyle may cost, how long your money may need to last, and what structure you’ll need around it, the better positioned you’ll be to retire with clarity instead of uncertainty.

If you’ve ever assumed retirement will simply take care of itself, this episode is a timely reminder that the best retirement outcomes are built with intention — not left to chance.

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SHOW NOTES LINKS

Malissa Vourakis –   / malissa-vourakis-79066a67 
David Boyle –   / david-boyle-37969459 
Ricky Regmi –   / rajiv-ricky-regmi-cpa-943694213 
Jack Oineza –   / jackoineza 

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TIME STAMPS:

00:00 – Introduction: Retirement mistakes people don’t see coming
00:36 – Welcome to Episode 60
01:20 – Why retiring well isn’t guaranteed
03:45 – Moving from accumulation to retirement investing
04:58 – Mistake #1: Assuming the Age Pension will be enough
06:39 – Withdrawal strategy and sequencing risk
08:48 – The bucket strategy explained
12:20 – Growth assets and sitting through market drawdowns
14:14 – Longevity, aged care, and rising retirement costs
17:47 – Early super withdrawals and long-term consequences
18:32 – Fear, uncertainty, and panic decision-making
21:00 – When to start retirement planning
23:24 – Spending patterns in the first years of retirement
28:44 – Growth vs preservation in retirement
33:44 – Final advice and key takeaways

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LISTEN TO THE PODCAST

Spotify: https://spoti.fi/3qJL8w4
Apple Podcast: https://apple.co/3QPF3ch
Amazon Music: https://amzn.to/3YMZjgD

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DISCLAIMER 

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.