---
title: "31 Retirement Planning: Where to Start and Getting Your Financial House in Order"
description: Retirement planning can feel like something Future You will deal with… the version of you who has more time, more headspace, and somehow feels magically ready. But the truth is, Future You is hoping Present You starts paying attention now because the choices you’re making today around cashflow, lifestyle, and getting organised are exactly what shape how the next chapter feels.
image: https://www.hermoneymatters.com.au/hubfs/2025_06_Her_Money_Matters_Podcast_Artworkaiz4d_300x300.jpg
---
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Jan 21, 2026, 12:00:00 AM
# 31 Retirement Planning: Where to Start and Getting Your Financial House in Order
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
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Retirement planning can feel like something Future You will deal with… the version of you who has more time, more headspace, and somehow feels magically ready. But the truth is, Future You is hoping Present You starts paying attention now because the choices you’re making today around cashflow, lifestyle, and getting organised are exactly what shape how the next chapter feels.
In this episode, I’m joined by the wonderful **J**acqui Clarke - adviser, business owner, and author of *Stop Worrying About Money* - for a great conversation about retirement planning.
What We Cover in This Episode
- Why retirement planning starts with Future You and the decisions you’re making today
- How to get your 'financial house' in order before thinking about retirement
- Understanding cashflow, income and 'open the front-door costs'
- How lifestyle creep can derail retirement plans
- The key decisions that shape retirement, including housing, surplus cashflow and super
There’s also a nod to The First Wives Club, because midlife is often the moment when you realise no one else is coming to sort this out for you. Just like the women in the movie, retirement planning is about stepping into your power, getting organised, and designing the next chapter on your own terms and ideally without the drama!
If you’ve ever thought, “I know I should look at this, I just don’t know where to start,” this episode is for you.
[podcast](https://www.hermoneymatters.com.au/blog/tag/podcast)
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May 10, 2026, 12:00:00 AM
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Mar 2, 2026, 12:00:00 AM
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Feb 9, 2026, 12:00:00 AM
In this episode of the Her Money Matters podcast, Naomi and Helene unpack why so many women avoid...
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The information on this website is of a general nature and does not consider your personal objectives, financial situation, or needs. Before acting on any information, you should assess its appropriateness to your circumstances and consider seeking professional advice. If you choose to acquire a financial product, you should obtain and read the relevant Product Disclosure Statement (PDS) before making any decision
Naomi Holmes is a Corporate Authorised Representative of Alethia Partners Pty Ltd (ABN 98 676 423 117), which holds Australian Financial Services Licence (AFSL) No. 557729.
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