Retirement has always been a deeply personal journey. But right now, the paths Australians are taking look more different than ever before.

For younger Australians, retirement is a distant goal shadowed by economic uncertainty.

They’re aiming high, setting super targets upwards of $2 million, but many are unsure where to begin.

For older Australians, retirement is no longer a fixed destination but a moving target, shaped by cost-of-living pressures and health concerns.

For Gen X, caught in the middle, the window to plan is narrowing fast and they are worryingly underprepared.

Our latest nationwide research for the Equip Super Financial Security Index uncovered some surprising and alarming results. Australians across generations are heading toward retirement in very different ways, but with one thing in common – most of us still don’t feel confident we’re ready.

The findings point to a growing disconnect between expectations and preparation.

Australians now believe they’ll need nearly $1.9 million to retire comfortably, a figure that has doubled in just 18 months.

Younger generations are aiming even higher, with Gen Z targeting $2.5 million and........

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