Written by Victor Idoko. Narrated by AI.

Retirement planning isn't just about the numbers.

Some of the most important questions are the ones couples find hardest to ask—about longevity, the surviving partner, the family home, helping the kids, aged care, and whether they actually have enough.

In this episode, Victor Idoko tackles six retirement questions Australian families often avoid, and explains the real financial cost of leaving them unanswered.

You'll discover:

• How long must our money last? — Why planning to age 95 can provide a more realistic retirement horizon

• What happens to the survivor? — How the loss of one partner can affect income, superannuation and the Age Pension

• Will we have to sell the house? — Why the family home can be an important retirement fallback and why rushing to sell may be a mistake

• How much should we give the kids, and when? — The tax, timing and family considerations behind intergenerational wealth

• What if one of us needs care? — How aged care costs and funding decisions can affect your retirement plan

• Do we actually have enough? — How to calculate your "enough number" based on spending, assets and expected income

Victor also explores why retirement planning needs to account for more than a couple's combined super balance.

A complete plan considers both partners, the survivor, the family home, the children, aged care, debt, and the income needed throughout retirement.

The episode also highlights an important principle:

Knowing your number is better than guessing.

Because avoiding difficult conversations doesn't make the risks disappear.

It simply leaves the decisions to be made later—often when there is less time, less flexibility, and more pressure.

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