---
title: 49 The 5 Things Every Woman Needs to Know About Money in Their 60’s
description: Your 60s are a decade where everything starts to shift where for many women we are considering the next phase of life - whatever that looks like - where you potentially have the financial freedom to choose whether or not you continue to work. There are some women who can't wait to retire and head off into the retirement sunset, and others who could think of nothing worse than stopping what they love doing and want to work until they are no longer able.
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---
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Apr 13, 2026, 12:00:00 AM
# 49 The 5 Things Every Woman Needs to Know About Money in Their 60’s
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
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Your 60s are a decade where everything starts to shift where for many women we are considering the next phase of life - whatever that looks like - where you potentially have the financial freedom to choose whether or not you continue to work. There are some women who can't wait to retire and head off into the retirement sunset, and others who could think of nothing worse than stopping what they love doing and want to work until they are no longer able.
So in this episode, Naomi and Helene walk through the five things every woman needs to understand about money in her 60s: from accessing your super, to making decisions about work, housing, family, and getting your affairs properly in order.
## In this episode, we cover:
- Turning 65 and what it unlocks: specifically relating to superannuation. We talk about accessing your super, drawing lump sums, and creating new planning opportunities
- The big question: can you afford to stop working, and do you actually want to, including how much is “enough”
- How income is built in retirement and the different options available to generate income, combining super, Centrelink, employment income, and other assets to create sustainable cashflow
- Housing decisions in your 60s - this is about downsizing, retirement living, or modifying your home, and the financial and lifestyle implications of each
- The realities of ageing parents and inheritances and understanding aged care costs, timing, and the options available for your inheritance
- Getting your “life admin” sorted, including your wills, super nominations, powers of attorney, and making sure your affairs are in order
This stage of life is about making clear, informed decisions that support how you want to live, for this decade as well as the years ahead.
There is a bunch of information in this episode to help you navigate the move from working to either reducing your working hours or retiring completely, so pick one area that is the most relevant to you and focus on that. The future is yours!
[podcast](https://www.hermoneymatters.com.au/blog/tag/podcast)
## Related posts
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[podcast](https://www.hermoneymatters.com.au/blog/tag/podcast)
## [44 International Women’s Day Part 2: The Care Gap, Divorce Gap and Investment Gap Explained](https://www.hermoneymatters.com.au/blog/44-international-womens-day-part-2-the-care-gap-divorce-gap-and-investment-gap-explained)
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
Mar 9, 2026, 12:00:00 AM
In Part 1 of our International Women’s Day special, Naomi sat down with Natalie Previtera to unpack...
[Read more](https://www.hermoneymatters.com.au/blog/44-international-womens-day-part-2-the-care-gap-divorce-gap-and-investment-gap-explained)
[](https://www.hermoneymatters.com.au/blog/43-international-womens-day-special-invest-in-yourself-with-practical-steps-to-grow-your-super)
[podcast](https://www.hermoneymatters.com.au/blog/tag/podcast)
## [43 International Women's Day Special: Invest in Yourself with Practical Steps to Grow Your Super](https://www.hermoneymatters.com.au/blog/43-international-womens-day-special-invest-in-yourself-with-practical-steps-to-grow-your-super)
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
Mar 4, 2026, 12:00:00 AM
This is a special podcast episode - one of a two-part series - marking International Women’s Day...
[Read more](https://www.hermoneymatters.com.au/blog/43-international-womens-day-special-invest-in-yourself-with-practical-steps-to-grow-your-super)
[](https://www.hermoneymatters.com.au/blog/46-mortgage-vs-super-should-you-pay-down-debt-or-contribute-more-to-super)
[podcast](https://www.hermoneymatters.com.au/blog/tag/podcast)
## [46 Mortgage vs Super: Should You Pay Down Debt or Contribute More to Super?](https://www.hermoneymatters.com.au/blog/46-mortgage-vs-super-should-you-pay-down-debt-or-contribute-more-to-super)
 [Naomi Holmes](https://www.hermoneymatters.com.au/blog/author/naomi-holmes)
Mar 23, 2026, 12:00:00 AM
In today’s episode, Naomi and Helene are discussing one of the most common questions that gets...
[Read more](https://www.hermoneymatters.com.au/blog/46-mortgage-vs-super-should-you-pay-down-debt-or-contribute-more-to-super)
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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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