I am a child-free (by choice) doctor aged 55. I have substantial property, investment and superannuation assets that could see me comfortably take the option of early retirement from the public hospital system. I choose to work three-quarter time as I remain satisfactorily engaged with clinical care at a reduced obligation. My adult brothers and sisters are well-paid professionals, and the nieces and nephews do not need my inheritance. I’d really like to “spend it all before I die”. Any advice?

I’m assuming the advice you’re seeking here is: how to best spend the money.

Most money advice focuses heavily on spending less – as opposed to spending well. It can be a jarring switch to make. You can go for decades working hard to accumulate wealth, only to finally get there – and not really know what to do with all the money.

After working hard saving all your life, it can be difficult to switch your mindset into one of spending.Credit: Simon Letch

There are many factors that influence what any person considers a valuable way to spend money. So, while I can’t tell you exactly what to spend money on, I can share some ideas to consider when thinking about the most meaningful way to spend money for you personally.

This is where most people spend most of their money. This........

© The Sydney Morning Herald