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How to Have an Epic Retirement

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More than 500,000 Australians plan to retire in the next five years and are in their pre-retirement or 'part-time' retirement years, preparing for the massive life change that signals their move from working every day to living as they choose. In the years before they retire, and the early years of retirement, people want to prepare well and set themselves up for the exciting 30+ year journey that could be ahead of them. This is where How to Have an Epic Retirement comes in.

There is no one in Australia who has more insight into what retirees want and what they need to know to achieve it than Rebecca Wilson, founder of the hugely successful online platform Starts at 60. Armed with information and the best anecdotal knowledge from retirees and those planning to retire, Rebecca has compiled the ultimate guidebook for those who want to make the most of this time of their lives. With examples, common questions and information you can apply to your own circumstances, Rebecca addresses the six key pillars of a great time, money, health, happiness and fulfilment, travel and your home.

How to Have an Epic Retirement guides listeners through the way the systems of retirement work, so you can learn the valuable lessons that modern retirees wish someone had shared with them before they kicked off the changes and stages of life that come after retirement.

Every modern retiree can have an Epic Retirement - and this book will show you how.

11 pages, Audible Audio

Published August 16, 2023

190 people are currently reading
236 people want to read

About the author

Bec Wilson

7 books13 followers

Bec Wilson is one of Australia’s authorities on modern retirement. She is the author of the newly released and bestselling guidebook, How to Have an Epic Retirement, published by Hachette, and a well-recognised thought leader amongst over-50s across Australia. Bec writes a weekly column for the Sydney Morning Herald and The Age Money Section, has a podcast for pre and post retirees called Prime Time, guest speaks at events nationally, and is creating pre-retirement online education for delivery to modern pre-retirees at scale in partnership with some of Australia’s largest funds and service providers.

She was the Founder and former CEO of Starts at 60 where during her decade long tenure, she built one of Australia’s largest and most socially engaged online communities of more than a million people in their 60s and beyond and an award-winning and #1 mature digital media brand, helping them navigate the complexities of modern retirement. She also built Travel at 60, a scalable online/offline national travel company that is dedicated to over-60s.

Bec also has a long and respected background in communications and marketing, having worked in advisory, strategy, growth and consulting roles throughout her career. Most recently, she’s spent time guiding companies who are developing products and services for modern pre- and post-retirees including property developers, financial services companies and healthcare organisations.

She is also a mother of three kids now in their late teens (plus two noisy but cuddly shih tzu-poodles!), is married, loves to travel.

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Displaying 1 - 30 of 32 reviews
Profile Image for Gloria (Ms. G's Bookshelf).
905 reviews198 followers
March 5, 2025
⭐️5 Stars⭐️
How to Have an Epic Retirement by Bec Wilson is an excellent retirement guide for Aussies, I highly recommend.

The guide is written in a way that's easy to understand and very motivating.

Loved that it also covered important issues such as health, fitness, ageing and travel too.

An informative guide you will refer to again and again.

Publication Date 26 July 2023
Publisher Hachette Australia
Profile Image for Ros Gaz.
198 reviews3 followers
April 18, 2025
Best book of its kind I’ve read. Full of salient financial advice. But just as important, provides good advice on HOW to retire, in terms of happiness and fulfilment. I borrowed this from the library but will probably buy a copy as a resource.
1 review
August 13, 2023
This was a fantastic read if you are nearing retirement. It is informative, lots of up to date advice in regards to benefits available for retirees, where to seek advice etc. It’s an easy read. Some great suggestions re other helpful websites. As someone retiring at the end of the year it arrived in my lap at just the right moment. Best of all it by an Australian author for Australian’s. Thanks Bec. Congratulations.
Profile Image for D'face.
531 reviews7 followers
November 10, 2023
There are some good reminders and points to consider here. The first half is focused on ensuring you have enough money to retire comfortably and the second part is a bit more interesting.
28 reviews
April 15, 2024
I have read several of Rebecca (Bec) Wilson’s columns and podcasts on retirement. It might be hard to find anyone with more insight into what retirees want and need to know than her. Even if you are not living in Australia or an Aussie, this book offers up-to-date advice regarding retirees' benefits.

In my view, this book is suitable for anyone who is a few years away from retirement or if you have just retired. Rebecca has received much anecdotal knowledge from retirees and those planning to retire; she has compiled the following six pillars to create an epic retirement.

• Time

We might not be able to know how long we are likely to live, but we should purposefully allocate our time and prepare money for things we want to do in this life span. We ought to understand how the stages of retirement usually play out and what we can expect in each phase of life ahead of us. We also need to anticipate when we can retire.

In this pillar, Rebecca addressed the five stages of retirement. We can understand and recognise the stage we are in on the journey.

• Money

In our next stage of life, we can have twenty, thirty, or even forty years. How much should we budget for our cost of living and lifestyle in retirement? For most Australians of my age or younger, superannuation (super) is our sole income for retirement.

I have studied a few retirement funds available in certain countries, such as Canada, Taiwan, the USA, and Singapore, and I am happy to provide further details here. Australian Superannuation schemes, comparatively, are simple, fair, and generous and have unrivalled features:

o Today, whether you are a politician, government employee, or a full-time regular or casual worker in a private enterprise, your employers must pay a super guarantee (SG) of 11% of the employee’s wages or salary to your nominated super accounts. This rate is scheduled to be progressively increased and capped at 12% from July 1, 2025. An employer doesn’t have to pay SG to employees beyond the maximum super contribution base of $62,270 (AUD) per quarter.

o When you are 60, you can start to retrieve tax-free retirement income from your super account.

In addition, employees can boost their super pool with the following concessions:

o You can contribute $27,500 pre-tax per financial year on top of the employer’s SG.

o You can contribute a non-concessional $110,000 after-tax per financial year. If you are under 75, you can bring forward up to three years’ worth of non-concessional contribution, a maximum of $330,000, in any three years.

o When you are 55 or above, you can make a downsizer contribution after you sell your primary residential property up to $300,000, $600,000 for couples, into your super account.

Over the last decade, the average performance of different super fund investments is 9.4 for high-growth and 8.4 for growth.

o On top of your super income, a single retiree can receive a taxpayers-funded full age pension of $29,028 at 67 per year if they have low assets, including super, below $301,750 (homeowner) or $543,750 (non-homeowner). Your primary residential home is not counted as part of your assets.

o A couple can receive a full age pension of $43,753 per year if their assets are below $451,500 (homeowner) or $693,500 (non-homeowner).

o As long as a single individual does not have assets beyond $609,500 (homeowner) or $851,500 (non-homeowner), or a couple’s assets don’t exceed $948,000 (homeowner) or $1,190,000 (non-homeowner), a partial age pension can be available for these retirees.

Retirement budgeting is not necessarily pivotal to an epic retirement, but it is an enabler and can determine the lifestyle we can expect in the final stage of our lives. With the combination of streaming super income and age pension, many Australians can prevent poverty in their later years by maintaining good health and vitality.

• Health

This pillar discusses how we can live longer and healthier lives by focusing on good prevention, early detection, and proactive self-care. Without sustainable health, we can’t have an epic retirement.

o The science of ageing

We can resonate with most of the significant diseases connected to the disease of ageing, such as hearing loss, declining vision, osteoarthritis, diabetes, depression and dementia.

o How you can live a longer, better-quality life

Rebecca quotes a research article and suggests four ways to slow ageing: diet, exercise, cellular stress, and medicine.

o Managing your risk factors on the inside

Managing health risk factors is crucial for overall well-being. We should focus on lifestyle choices, including diet, exercise, quitting smoking, and limiting alcohol intake. We also need to actively monitor blood pressure and control our blood sugar levels to avoid diabetes. We must take a regular health check-up, maintain a healthy weight, practise stress-reducing activities, and prioritise quality sleep.

o Looking after yourself on the outside

We must take our prevention testing seriously. This includes regular checks of blood pressure, cholesterol, blood sugar levels, and hearing; screening tests for bowel cancer; mammograms for breast, Prostate, Cervical, and bone density cancer; and tests for eye conditions.

o Do we need health insurance

Think about we have chronic health issues, such as back pain and joint pain, a non-critical need for a knee and hip replacement or heart surgery, or problems with our teeth, eyesight, hearing, kidneys or brain, that are not considered an emergency. These are where we need to weigh up the value of private health insurance rather than at the back of a long waiting list for public healthcare.

Rebecca also hosts the Prime Time with Bec Wilson podcasts via her weekly newsletter. You can access her website at Epic Retirement | Live a longer, healthier, better quality life. They will guide you on how to live long and well from 47-75ish. You can subscribe to her newsletter. I have found the information truly helpful.

• Happiness & fulfilment

When we plan to retire, we envision happiness and fulfilment, which are deeply personal experiences influenced by our perspectives, aspirations, and life circumstances. We can attain these goals with the following guidance described in the book.

o We can create a “No regrets” list to complete what you will not regret for not doing.

o Engage in Lifelong Learning, such as attending online education, playing a new instrument and engaging in new activities.

o Stay physically and mentally active. We should maintain an active lifestyle that keeps us energised. In addition, we can explore reading and learning new things to challenge the brain and strengthen our cognitive capacity.

o Stay connected with loved ones and friends.

o Reflect on our life, meaningful memories, and lessons learned and write them down.

o Travel overseas and immerse ourselves in diverse cultures. Visit National Parks to rejuvenate our spirits.

Think about our purpose and meaning in retirement, whether through volunteering or even starting a side hustle to help other seniors.

• Travel

I have always believed that travel can give us incredible stories, cherished memories, and countless irreplaceable learnings and experiences.

Rebecca lists a few epic retirement holidays, aka ‘Bucket List Holidays’. We are fortunate that we have visited most of them.

o The Great Lakes and Rocky Mountains of Canada, and Alaska's inside passage.
o Amsterdam to Budapest Central Europe cruise.
o Japan in cherry blossom season.
o The Northern Leight by cruise or tour
o Cruise to Antarctica: Iceberg-flanked passage, penguin rookeries and spectacular scenery.
o The Mediterranean Coast in the European Summer.
o Vietnam and Cambodia.
o Africa’s Big Five Experience: Watch the Great Migration.
o Northwest Passage: Ride an icebreaker through the Arctic Circle.
o England, Ireland and Scotland.
o Greece and Egypt: the Most Ancient History and the Most Beautiful Islands.
o South America and the Galapagos Islands: History, Culture and Wilderness.
o The USA’s East Coast – New York, Boston, Maine, Vermont, Philadelphia and Washington.

She also suggests retirement holidays in Australia, which might be more affordable or accessible for more senior retirees.

• Settle our home

For most retirees of my age, we used to live in a house with a garden. When our children left home, the empty nest house became too big, and the garden too hard to maintain. We would move from a big family home to a lifestyle or low-maintenance home with the community shortly. This new stage of home is better ready for home-care support.

Selling a large house and downsizing during retirement can offer several benefits. Downsizing can free up money from the sale of your big house. We can use these funds to pay off the mortgage, if any. We can use the sale to pay for our new home. We can invest a maximum of $300,000 per person into our super account. We can financially help our kids with the deposit of their first home.

There’s no one-size-fits-all answer. We need to reflect on our preferences, lifestyles, and future needs. Whether we choose to stay in our home, rent it out, or move to a new home, we should prioritise our well-being and happiness.

Finally, Rebecca urges these to-be retirees to take active steps to prepare the epic retirement action plan. These include a money action plan, a happiness and fulfilment plan, a review of our relationships with friends tied inside and outside our workplace, taking action on our health, building our epic travel bucket list and exploring how to settle our home.

I have no choice but to give this book a five-star rating. It is easy to read and includes so much helpful information. I thoroughly recommend it to those who plan to retire or are retired.
Profile Image for Kate.
508 reviews3 followers
July 21, 2024
An informative easy read, lots of good suggestions and links to helpful websites but I would have got more out of it if I had read it years before I retired.
Profile Image for Shazza Hoppsey.
355 reviews41 followers
August 24, 2023
Positive look at the many facets of retirement not just the money. I loved the travel summary but also found the research on health and mindset interesting. It’s a more all encompassing look at the transition to the next stage of your life framed as a great opportunity, which it is.
Profile Image for Robyn Smyth.
6 reviews
January 1, 2024
I loved the way this book gave all the boring planning and money parts of planning for retirement a Purpose…. Epic travel plans. It allowed us to plan, to think about an order, and feel excited for post work fun.
Lots of current, practical information and love the podcast too.
Profile Image for Pam Saunders.
746 reviews14 followers
September 23, 2025
Two stars maybe harsh but for me it didn’t give many insights that I didn’t already know. For a novice esp in finance maybe. Disliked the style of “people’s stories”.

Based on the podcasts which I also tried. Unfortunately Bec interrupts her guest speakers and talks about herself too much instead of letting them talk. An interviewer should be subtle not the main person in an interview.

Profile Image for Lee McKerracher.
536 reviews1 follower
March 30, 2024
Bec Wilson has written a practical guide on how to approach your retirement. It is suitable for anyone who is a few years away from retirement or if you have just retired.

She not only looks at financial options available (with all caveats about getting your own independent financial advice) but she addresses health, happiness, and time. The last one can cause a few issues if you are used to a very busy career and suddenly work stops and so does a lot of connection to your social circle. According to Wilson, many retirees note how having so much time on their hands is one of the most difficult transitions to retirement. It also reinforces how important planning is - make sure you have planned projects / activities / hobbies / new experiences etc before jumping into this new world.

Another important point raised by Wilson is setting up a vision on what you want your retirement to look like and then take a reality check on whether your resources can provide that vision or not. If retirement is a few years away, then you have time to adjust to make that vision happen.

An easy-to-understand book with a lot of helpful ideas.
128 reviews1 follower
March 9, 2024
This is a reference book for readers between the ages of 50 and 70.
There is much good information for those who are expecting to retire within the next 10 years, and for those, like me, who are already very close to retirement.
It's not just about managing your finances (superannuation!), but also about health, lifestyle and managing the expectations of your children and partner.
I started by reading a library copy but soon decided to buy my own for future reference.
(Real paperback, not electronic, if that matters.)

Includes heavy use of the word 'myriad', strangely coinciding with the Simon Winchester (Knowing What We Know) that I just finished. Also Bec Wilson does a lot of 'deep dives' in this book. (Winchester does not; he's a writer of some refinement.)

Overall a very useful book.
1 review
May 7, 2024
This book is essential for anyone coming into early 50s. It has been life changing for me by helping me plan out my retirement & fully understand how much money I need v what I have. I’m retiring much earlier than I expected as I now have the information & numbers laid out to support the lifestyle I want in retirement. It’s written in an easy to follow format focussing on all aspects not just the numbers ! A must read
1 review
August 13, 2023
Great read! Enjoying Bec’s honest and conversational tone. It’s very easy to read and there’s just so much information boiled into this book. I like the 6 pillars, they put it all in perspective. All in all a very good book and I recommend it to others in early retirement or planning. It would definitely have been helpful to have five years before now.
1 review
August 14, 2023
I think this book will become the goto for people considering retirement, as well as those already retired. I found her explanation of Australian pensions and government benefits simple and easy to understand and particularly enjoyed the travel chapter with its ideas for more enjoyable and economical travel.
6 reviews
September 24, 2025
This is the best lifestyle book I have ever read. It covers all the key events of life leading up to and post retirement - from health, financial, families, travel, relationships, housing, aged care and so on - all written with an engaging, almost colloquial style. Bec has done a terrific job in pulling all this information together in an amazingly readable form.
7 reviews4 followers
August 23, 2023
Bec Wilson has written a comprehensive guide for anyone planning retirement (or should be planning retirement). She covers both financial and non financial dimensions - both play an important role in having an epic retirement
Profile Image for Lisal.
45 reviews1 follower
January 16, 2024
Bec Wilson's knowledge across so many facets of retirement is outstanding and she delivers it in such a well organised and readable style in this book. If you're preparing to retire this is the one book you should buy as your guiding light.
Profile Image for Ita.
687 reviews7 followers
March 1, 2024
Some great advice for people in their fifties and beyond. Just don't read the travel section as I now want to start my epic retirement travel plans right away! Unfortunately, I still need to pump more into my super for a while yet. It is nice to dream and to actually have a plan to make it happen.
6 reviews
February 19, 2025
Excellent, comprehensively researched book and very easy to read. A very helpful resource for the tsunami of Boomers and Gen X-ers who find themselves in either the transition to retirement, or retirement itself, without having considered all the issues and facets of this important phase of life.
4 reviews
June 7, 2025
Not just about dollars! Having already semi-retired (not my choice), I thought there would be nothing for me in this book. Wrong! There was enough in here to provide reflection on my journey thus far as well as things to think about and make decisions on all the way to end of life.
Profile Image for Melissa Bush.
31 reviews
July 12, 2025
I have no plans to retire just yet but this book was a timely reminder to stop and take stock of what my life is like now, how it is likely to look in the next 10 years as I wind down my working life, and how I want the last stage of my life to look. Lots of food for thought!
Profile Image for Margaret-Ann McClean.
91 reviews
November 1, 2025
Such a great read if you are contemplating a transition to retirement. Probably best read in late 40’s so you prepare for the decades ahead but never too late. Lots of practical advice around finances, holidays, connections and comes with access to helpful tools. Love the podcast too.
Profile Image for Stephen Herczeg.
Author 139 books27 followers
November 27, 2025
Pretty comprehensive guide. Goes into everything from the "Why are you retiring" question through to setting up finances, investment portfolios, and generally what to do with yourself in this next part of your journey.
1 review
August 13, 2023
Very helpful and detailed book. Packed with useful information and is helping me think about my retirement next year. It’s getting me really excited about having an epic retirement!
Profile Image for Maryanne.
Author 13 books19 followers
March 7, 2025
Interesting, good resources, ideas.
257 reviews
May 24, 2025
Great book with lots of handy tips. I borrowed from Library but think I will purchase it for future reference
Displaying 1 - 30 of 32 reviews

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