{"id":266,"date":"2023-05-01T12:06:36","date_gmt":"2023-05-01T02:06:36","guid":{"rendered":"https:\/\/studiokettle.com.au\/wip\/living-costs\/?page_id=266"},"modified":"2023-06-06T14:13:47","modified_gmt":"2023-06-06T04:13:47","slug":"retirement","status":"publish","type":"page","link":"https:\/\/studiokettle.com.au\/wip\/living-costs\/retirement\/","title":{"rendered":"Making ends meet when you retire"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Help to access super, the Age Pension, and other supports to live a secure and comfortable retirement.<\/p>\n\n\n\n<div class=\"LC_jump\">\n    <p class=\"LC_actions\">\n        <a class=\"LC_btn LC_fav\"><\/a><a class=\"LC_btn LC_read\"><\/a>\n    <\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Managing your income can be a daunting task at any time, let alone when stepping back from work and looking to retire. Withdrawing money from superannuation, understanding the age pension, and navigating health costs are just a few of the financial challenges that retirees may face.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this article, we explore some options for managing income as a retiree, including community transport and concessions, aged care, and state and territory-specific resources.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"940\" src=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/Investing_v002.png\" alt=\"Woman holding a watering can over a plant growing out of a bottle cap. The plant has 2 dollar coin flowers\" class=\"wp-image-33\" srcset=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/Investing_v002.png 940w, https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/Investing_v002-300x300.png 300w, https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/Investing_v002-150x150.png 150w, https:\/\/studiokettle.com.au\/wip\/living-costs\/wp-content\/uploads\/Investing_v002-768x768.png 768w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Income in retirement<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Australia, superannuation and the Age Pension are the two main ways people are supported in retirement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Superannuation<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As superannuation is a contributory system, any inequalities in the wages earned through people\u2019s working lives are continued into retirement. This is particularly true for women who tend to be paid less than men and who are more likely to have taken time out of paid work, often due to having children and unpaid work.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Age Pension<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Age Pension is a government payment intended to support people in their later years. Some issues with the Age Pension are that it\u2019s often set too low for people to keep up with the cost of living and that payments may be reduced due to the value of a person\u2019s assets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Withdrawing money from super<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Superannuation is a complicated system, and depending on your situation, how you can withdraw your super may vary.&nbsp; The Age Pension provides a modest income. Homeowners can make ends meet, but pensioners in private rentals find it hard to make ends meet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Eligibility requirements<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">First, you need to meet certain eligibility requirements before you can withdraw super. These include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>reaching what is called the \u2018preservation age\u2019<\/strong> \u2013&nbsp;between 55-60 years of age, depending on your date of birth<\/li>\n\n\n\n<li><strong>retiring or transitioning to retirement<\/strong> \u2013&nbsp;you retire from the workforce or choose to begin a transition-to-retirement income stream while still working<\/li>\n\n\n\n<li><strong>turning 65 years old<\/strong> \u2013&nbsp;you can access your super even if you haven\u2019t retired<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What are the withdrawal options?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Once you meet the eligibility requirements, there are several options for withdrawing super. You may choose to do this in a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>lump sum<\/strong> \u2013&nbsp;receive your super as a lump sum payment<\/li>\n\n\n\n<li><strong>regular income stream<\/strong> \u2013 set up a regular income stream to receive your super payments on a periodic basis<\/li>\n\n\n\n<li><strong>combination of both<\/strong> \u2013&nbsp;choose a combination of a lump sum and regular income stream<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Are superannuation withdrawals taxed?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The tax implications of withdrawing super depend on your age, employment status and your withdrawal method.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Where to find more information<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.ato.gov.au\/Individuals\/Super\/Withdrawing-and-using-your-super\/\">Withdrawing and using your super<\/a> on the Australian Taxation Office&#8217;s website<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/moneysmart.gov.au\/how-super-works\/getting-your-super\">Moneysmart.gov.au&#8217;s guide<\/a> on getting your super<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc;<\/strong> To learn how super works to support your financial goals,<strong> see our <a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/superannuation\/\">understanding superannuation<\/a> page<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Understanding the Age Pension<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re over 67 as of 1 July 2023, and you pass the income and asset tests, you might be eligible for the Age Pension.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Do you qualify?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>find more about <a href=\"https:\/\/www.servicesaustralia.gov.au\/age-pension\">Age Pension<\/a> eligibility<\/li>\n\n\n\n<li>read about the Age Pension and other financial supports at<a href=\"https:\/\/moneysmart.gov.au\/retirement-income\/age-pension-and-government-benefits\"> Moneysmart&nbsp;<\/a><\/li>\n\n\n\n<li>search Centrelink&#8217;s <a href=\"https:\/\/www.centrelink.gov.au\/custsite_pfe\/pymtfinderest\/paymentFinderEstimatorPage.jsf?wec-appid=pymtfinderest&amp;wec-locale=en_US#stay\">Payment and Service Finder<\/a> tool to see if you qualify for any other support payments<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Dealing with Centrelink<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Like all income support in Australia, the Age Pension is managed by Centrelink. Many people find dealing with Centrelink difficult. Applying for payments can be confusing. Most payments are set too low and have overly strict requirements.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc; See our <a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/centrelink\/\">dealing with Centrelink<\/a> page.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Transport and concessions<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Transport is an essential part of life; this is just as true in retirement as in our working life. Wherever we need to go we need some way to get there. Aside from walking, most ways of getting around cost money. Being retired shouldn\u2019t prevent us from being able to get around and do the things we\u2019d like to.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Public transport ticket concessions<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">All States and Territories have concession transport fares on their public transport networks. Concession schemes are designed to make travelling cheaper for&nbsp; younger people, students, seniors, carers, people with a Low-Income Health Care Card, people with disability, and refugees.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Learn more about saving on transport in your state:<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Australian Capital Territory<\/strong><\/td><td><a href=\"https:\/\/www.transport.act.gov.au\/\">Transport Canberra<\/a>&nbsp;<\/td><\/tr><tr><td><strong>New South Wales<\/strong><\/td><td><a href=\"https:\/\/transportnsw.info\/tickets-opal\/ticket-eligibility-concessions\">Ticket eligibility and concessions<\/a><\/td><\/tr><tr><td><strong>Northern Territory<\/strong><\/td><td><a href=\"https:\/\/nt.gov.au\/driving\/public-transport-cycling\/public-buses\/fares\">Bus tickets and fares<\/a><\/td><\/tr><tr><td><strong>Queensland<\/strong><\/td><td><a href=\"https:\/\/translink.com.au\/tickets-and-fares\/concessions\">Concessions &#8211; Translink<\/a><\/td><\/tr><tr><td><strong>South Australia<\/strong><\/td><td><a href=\"https:\/\/www.adelaidemetro.com.au\/tickets-and-fares\/adelaide-metro-fares\">Adelaide Metro fares<\/a><\/td><\/tr><tr><td><strong>Tasmania<\/strong><\/td><td><a href=\"https:\/\/www.transport.tas.gov.au\/public_transport\/concessions\">Concessions \u2013 Transport Services<\/a><\/td><\/tr><tr><td><strong>Victoria<\/strong><\/td><td><a href=\"https:\/\/www.ptv.vic.gov.au\/tickets\/myki\/concessions-and-free-travel\/\">Concessions &#8211; Public Transport Victoria<\/a><\/td><\/tr><tr><td><strong>Western Australia&nbsp;<\/strong><\/td><td><a href=\"https:\/\/concessions.communities.wa.gov.au\/Pages\/SearchResults.aspx?Category=Travel%20and%20Transport&amp;termId=6ede50d3-7f9a-42d6-863c-d0fa3c3a07f0\">Concessions WA &#8211; Travel and Transport<br><\/a><a href=\"https:\/\/www.transperth.wa.gov.au\/Tickets-Fares\/Concession-Guide\">Transperth Concessions guide<\/a> (Perth)<br><a href=\"https:\/\/www.transwa.wa.gov.au\/fares\/concessions\">Transwa Concession<\/a> (Regional)&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Community transport<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Local councils and other community organisations often run affordable transport services for eligible people, especially seniors and people living with disability.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Where to find information&nbsp;<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Search \u2018community transport\u2019 on your local government website.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Search \u2018transport\u2019 at the <a href=\"https:\/\/askizzy.org.au\/\">Ask Izzy<\/a> website.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc;<\/strong> <strong>See our <a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/transport\/\">transport<\/a> page<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>More concessions and rebates in your state or territory<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019ll find that a broader range of concessions, rebates, and subsidies are also provided by the states and territories.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Australian Capital Territory<\/strong><\/td><td><a href=\"http:\/\/www.assistance.act.gov.au\/utilities\">Cost of living assistance<\/a>&nbsp;<\/td><\/tr><tr><td><strong>New South Wales<\/strong><\/td><td><a href=\"https:\/\/www.service.nsw.gov.au\/services\/concessions-rebates-and-assistance\">Concessions, rebates and assistance<\/a><\/td><\/tr><tr><td><strong>Northern Territory<\/strong><\/td><td><a href=\"https:\/\/ntconcessions.nt.gov.au\/?q=members\/nt-concessions-scheme\">Concessions and payments<\/a><\/td><\/tr><tr><td><strong>Queensland<\/strong><\/td><td><a href=\"https:\/\/www.qld.gov.au\/community\/cost-of-living-support\/concessions\">Concessions <\/a><\/td><\/tr><tr><td><strong>South Australia<\/strong><\/td><td><a href=\"https:\/\/www.sa.gov.au\/topics\/care-and-support\/concessions\">Concessions<\/a><\/td><\/tr><tr><td><strong>Tasmania<\/strong><\/td><td><a href=\"https:\/\/www.concessions.tas.gov.au\/\">Discounts and Concessions<\/a>&nbsp;<\/td><\/tr><tr><td><strong>Victoria<\/strong><\/td><td><a href=\"https:\/\/services.dffh.vic.gov.au\/concessions-and-benefits\">Concessions and benefits <\/a><\/td><\/tr><tr><td><strong>Western Australia&nbsp;<\/strong><\/td><td><a href=\"https:\/\/concessions.communities.wa.gov.au\/Pages\/default.aspx\">Concessions<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Financial support for when you\u2019re unwell<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Keeping healthy can be costly, especially in our later years. In fact, a person in poor health is more likely to experience financial hardship and someone experiencing financial hardship is more likely to be in poor health.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, you may find yourself on the end of some very long waiting lists. If you don&#8217;t have private health insurance, you could be waiting for years for \u2018elective\u2019 surgeries.&nbsp; In addition, finding clinics that will \u2018bulk bill\u2019 is difficult now.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019ve compiled the following resources to help you manage the cost of healthcare and navigate long-term illness.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc; See our <a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/health-issue\/\">healthcare costs<\/a> page<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>State and federal assistance<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Australia\u2019s state and federal governments run healthcare assistance schemes which include dental health, eye care, ambulance travel, chronic disease management, sexual health, and aged care. You might find there are long waiting lists and other issues with some of these schemes.&nbsp; If you are eligible, you can contact <a href=\"https:\/\/www.servicesaustralia.gov.au\/medicare\">Medicare<\/a> or ask your doctor for more information on financial assistance.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Renegotiating terms of payment<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When you\u2019re trying to focus on rest and recovery while having trouble paying your medical bills, it isn\u2019t easy to negotiate payments. That said, you have several options to explore that could reduce, postpone, or spread out payments.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Speak to your doctor about the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>payment extension&nbsp;<\/li>\n\n\n\n<li>payment plan&nbsp;<\/li>\n\n\n\n<li>payment matching<\/li>\n\n\n\n<li>concession information&nbsp;<\/li>\n\n\n\n<li>financial counselling service referral<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Where to find information<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/ndh.org.au\/Debt-solutions\/Negotiate-payment-terms\/\">National Debt Helpline<\/a> \u2013&nbsp;How to negotiate bills&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc;<\/strong> <strong>See our <a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/bills\/\">paying bills and negotiating<\/a> page<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Support for long-term illnesses<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some government departments and community organisations run support services for people living with chronic illnesses. You might find the following helpful, although this list is not exhaustive.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Condition or issue<\/strong><\/td><td><strong>Resource<\/strong><\/td><\/tr><tr><td>Cancer<\/td><td><a href=\"https:\/\/www.cancer.org.au\/support-and-services\/practical-and-financial-assistance\">Cancer Council<\/a><\/td><\/tr><tr><td>Diabetes<\/td><td><a href=\"https:\/\/www.ndss.com.au\/\">National Diabetes Services Scheme<\/a><br><a href=\"https:\/\/www.ndss.com.au\/services\/\">Services, NDSS<\/a>&nbsp;<\/td><\/tr><tr><td>Back pain, arthritis, and osteoporosis<\/td><td><a href=\"https:\/\/msk.org.au\/get-supported\/\">Musculoskeletal Australia support<\/a><br><a href=\"https:\/\/msk.org.au\/financial-support\/\">Musculoskeletal Australia financial support<\/a><\/td><\/tr><tr><td>Asthma<\/td><td><a href=\"https:\/\/www.nationalasthma.org.au\/understanding-asthma\/useful-links\">National Asthma Council Australia links<\/a><br><a href=\"https:\/\/www.nationalasthma.org.au\/news\/2017\/10-ways-to-cut-your-asthma-costs\">10 ways to cut your asthma costs<\/a>&nbsp;<\/td><\/tr><tr><td>Mental health<\/td><td><a href=\"https:\/\/www.beyondblue.org.au\/\">Beyond Blue<\/a><br><a href=\"https:\/\/www.beyondblue.org.au\/get-support\/staying-well\/financial-wellbeing\">Financial wellbeing<\/a>&nbsp;<\/td><\/tr><tr><td>Cardiovascular disease<\/td><td><a href=\"https:\/\/www.heartfoundation.org.au\/\">Heart Foundation<\/a><br><a href=\"https:\/\/www.heartfoundation.org.au\/Bundles\/Support\/Finances-after-a-heart-attack\">Sorting out finances after a heart attack<\/a>&nbsp;<\/td><\/tr><tr><td>Chronic obstructive pulmonary disease<\/td><td><a href=\"https:\/\/lungfoundation.com.au\/patients-carers\/support-services\/support\/\">Lung Foundation Australia<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Managing related expenses<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Australian governments run <a href=\"https:\/\/www.healthdirect.gov.au\/travelling-to-your-healthcare-appointment\">support services<\/a> if you need to travel for medical treatment. To learn about other support services around managing costs, take a look at <a href=\"https:\/\/www.myagedcare.gov.au\/financial-hardship-assistance\">financial hardship assistance<\/a> in aged care.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc;<\/strong> <strong>See our <a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/health-issue\/\">healthcare costs<\/a> page.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>More resources<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Aged care services&nbsp;<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.myagedcare.gov.au\/\">My Aged Care<\/a> is run by the Australian Government and provides access to a host of aged care services which have eligibility requirements. You can learn about the types of aged care services, where to get help, and how to make a plan at their website.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Specifically, you can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>check your eligibility for aged care<\/li>\n\n\n\n<li>apply for an assessment<\/li>\n\n\n\n<li>estimate the fees you might have to pay for a Home Care package or an aged care home<\/li>\n\n\n\n<li>find a provider<\/li>\n\n\n\n<li>find support for financial hardship<\/li>\n\n\n\n<li>create a four-step personalised guide&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aged care services often come with long waiting lists, and unfortunately, it isn\u2019t always as simple as calling up to get help.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Visit <a href=\"https:\/\/www.myagedcare.gov.au\/\">My Aged Care<\/a> to find out more or call them on 1800 200 422.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Emergency relief through the \u2018Ask Izzy\u2019 resource<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/askizzy.org.au\/\">Ask Izzy<\/a> is a website that connects people in need with everyday necessities, housing, a meal, money help, family violence support, counselling, and more, all around Australia. It\u2019s free and anonymous. If you\u2019re on the Telstra or Vodafone mobile networks, you can access Ask Izzy on your phone even if you don\u2019t have credit or access to wifi.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Managing on a low income<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you are having trouble paying for everyday expenses, you may be in \u2018financial hardship\u2019. Today, many Australians are living in financial hardship. For many people, incomes have not increased while the cost of living has increased a great deal. Here is some information on managing your expenses on our other pages:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Visit Moneysmart to learn more about <a href=\"https:\/\/moneysmart.gov.au\/budgeting\/managing-on-a-low-income\">managing on a low income<\/a>\/<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><strong>&#x1f4cc;<\/strong><\/strong> <strong>See our <a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/everyday-expenses\/\">everyday expenses<\/a>, <a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/bills\/\">paying bills <\/a>, and <a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/loans-and-debts\/\">loans and debt<\/a> pages<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc;<\/strong>For steps you can take if you feel overwhelmed by money problems, <strong>see our <a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/financial-crisis\/\">financial crisis<\/a> page<\/strong>.<\/p>\n\n\n\n<p class=\"LC_asterisks\">\n<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>This information was last updated on 5 June 2023<\/em>.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>The links and resources in this article have been compiled and reviewed by the Brotherhood of St. Laurence. We aren\u2019t responsible for what you\u2019ll find at the links, though we do hope you find the information useful. See our <a href=\"http:\/\/link_disclosures\">disclaimer<\/a> if you\u2019d like to know more.\u00a0\u00a0<\/em><\/p>\n\n\n\n<p class=\"LC_asterisks\">\n<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Want to save this article as a PDF? <\/strong><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/how-to-save-a-pdf-of-a-web-page\/\" target=\"_blank\" rel=\"noreferrer noopener\">See how to here<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#x1f4cc; See more:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/superannuation\/\"><strong>Understanding superannuation<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/centrelink\/\"><strong>Dealing with Centrelink<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/studiokettle.com.au\/wip\/living-costs\/financial-crisis\/\"><strong>Financial Crisis<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Help to access super, the Age Pension, and other supports to live a secure and comfortable retirement.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-266","page","type-page","status-publish","hentry","category-article"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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