EP: 2393•31 Mar 2026

Your Retirement Number Might Be Off – Here’s What to Do Instead⎟Ep. 2393

About this episode

Most people think retirement spending is a straight line… but it’s not.

In this episode, Ed and Andrew break down the three stages of retirement – the Go-Go, Slow-Go, and No-Go years – and why understanding this simple framework could dramatically change how much you actually need to retire.

You’ll learn:

-The 3 stages of retirement

-Why retirees typically spend 15–40% less over time ... and what NZ data shows

-How this one insight could reduce your required retirement savings by over $200k

The big idea? You don’t spend the same amount forever ... but you still need a plan that reflects reality, not a straight line.

Want to find out how much you'll need to save each week until retirement? Use our retirement calculator to find out.

Ok, now for the legal bit:

The Property Academy Podcast is for your general information. It’s not financial advice.

So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.

Make sure you do your own research or talk to a financial adviser before making any investment decisions.

Related podcasts in this series

EP: 2392
30 Mar 2026
This Could Be Costing You Thousands Every Year (Most Investors Miss It)⎟Ep. 2392
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Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.
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EP: 2391
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House Prices Always Do THIS Before An Election ⎟Ep. 2391
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Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.
House Prices Always Do THIS Before An Election ⎟Ep. 2391
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Inspired by today's case study? Find out if you can afford an investment property with our quick quiz.
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EP: 2389
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Want to become a successful property investor? Opes+ is your one place to run numbers on all your investment properties.” Check out the new app here.
Developers I Wouldn’t Touch (Without Naming Them)⎟Ep. 2389

Your Retirement Number Might Be Off – Here’s What to Do Instead⎟Ep. 2393

About this episode

This Could Be Costing You Thousands Every Year (Most Investors Miss It)⎟Ep. 2392

House Prices Always Do THIS Before An Election ⎟Ep. 2391

Burgled. Flooded. Cancer… And They Still Built Wealth⎟Ep. 2390

Developers I Wouldn’t Touch (Without Naming Them)⎟Ep. 2389