---
title: "pre-retirement planning retirement income retirement the cost to retire retiring with debt retiring with debt - Sapience Financial"
description: "Life Insurance Advice and  Modern Estate Planning Services for Australian Small Business Owners, Partnerships & their Families"
url: "https://sapience.com.au/cost-to-retire/retiring-with-debt"
date: "2026-06-24T11:45:41+00:00"
language: "en-GB"
---

#  pre-retirement planning retirement income retirement the cost to retire retiring with debt retiring with debt

 | [Title](# "Select to sort by this column") |

|---|
| [ 7 Ways to pay down your home loan faster ](https://sapience.com.au/blog/7-ways-to-pay-down-your-home-loan-faster) |
| [ Age for Super Downsizer Scheme to drop to 55 ](https://sapience.com.au/resources/small-business-alerts/age-for-super-downsizer-scheme-to-drop-to-55) |
| [ Getting more money into your super when selling your family home ](https://sapience.com.au/blog/getting-more-money-into-your-super-when-selling-your-family-home) |
| [ If you expect to retire, you need to upgrade your financial literacy now ](https://sapience.com.au/blog/if-you-expect-to-retire-you-need-to-upgrade-your-financial-literacy-now) |
| [ Is it time to upgrade how you see Retirement? ](https://sapience.com.au/blog/is-it-time-to-upgrade-how-you-see-retirement) |
| [ Life is a lot like a game of Snakes & Ladders ](https://sapience.com.au/blog/snakes-and-ladders) |
| [ Living happily ever after in a rented house, maybe ](https://sapience.com.au/blog/living-happily-ever-after-in-a-rented-house-maybe) |
| [ Think before you refinance the mortgage ](https://sapience.com.au/blog/think-before-you-refinance-the-mortgage) |
| [ Time flies when you’re having fun but even faster when you're in Small Business ](https://sapience.com.au/blog/time-flies-when-youre-having-fun-but-even-faster-when-youre-in-small-business) |
| [ What does a Comfortable Retirement actually cost? ](https://sapience.com.au/blog/what-does-a-comfortable-retirement-actually-cost) |

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