Darryl is worried that war injuries from his time in the army will force him out of work in the next eight years, and he doesn't want to make mistakes with his money.
Mark and his wife want to retire in nine years but still owe $300,000 on their home. Should they put their extra $800 a month into super or the mortgage?
The government's message with the Pension Loan Scheme is clear: consume more of your assets (including your house) in retirement and leave less for the kids.
The coalition has used its generous baby boomer and pensioner package within the Federal Budget to hit back at what it regards as Labor policies designed to "attack retirees".
"I decided what I really wanted my life to look like in five years. I wanted to own a house and a car and to have won awards for my craftwork," says Joanna Jones.
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