A note to readers: I will shortly leave Industry Fund Services and, sadly, this is my final column.

It’s been a pleasure writing for The New Daily over the past five years, and I am grateful to the team for the opportunity to connect with readers on issues that matter to everyday Australians.

Your questions have provided valuable insight into the financial issues that matter most to Australians, and it has been a privilege to help address them.

Thank you to everyone who has taken the time to share both positive and constructive feedback along the way. I wish you all the very best with your financial journey.

While I am leaving, Ask the Expert will continue and remain in safe hands, with my IFS colleagues continuing to answer your questions each week.

I’m nearly 60 years old, earn $85,000 a year and have $500,000 in superannuation.  I owe $190,000 on my house and want to know if I have enough cash to go part time when I turn 60 in 18 months. 

This really depends on the lifestyle you want in retirement.

Generally, the longer you work and the more you contribute to super, the higher your retirement income is likely to be.

That said, if you are comfortable living on a more modest income, you may still be able to move to part-time work at 60 as planned.

You could supplement your part-time income with super payments through a transition-to-retirement income stream. Once you turn 65 or retire, if that happens earlier,........

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