Everyone Has a Plan Until Retirement Punches Them

Retirement has a funny way of ignoring the spreadsheet.Most people enter retirement asking one question: How much money do I need?But after 17 years as a financial planner, Paul Pellegrino knows that retirement rarely falls apart because someone missed a magic number. It falls apart because life changes, markets drop, health issues appear, family pressures build, aged care arrives, and good plans are not flexible enough to take the hit.Everyone Has a Plan Until Retirement Punches Them is a straight-talking, practical guide for Australians approaching retirement, already retired, or helping someone they care about make better financial decisions.This is not a get-rich book. It is not full of jargon, product pushing, or scare tactics. Instead, Paul shares real client stories, practical lessons, and blunt advice about what retirement actually looks like once the pay cheques stop.Inside, readers will learn how to think clearly about:Superannuation and retirement incomeAge Pension and Centrelink issuesHow much is really enoughTurning assets into incomeThe bucket strategyMarket risk and longevity riskAged care costs and planningHelping adult children without damaging your own retirementEstate planning, super nominations, and family conflictHow to choose a financial adviser and spot red flagsLight-hearted, honest, and grounded in real-world experience, this book reminds readers that a good retirement is not about dying with the biggest balance. It is about sleeping at night, living well, and having a plan that can handle real life.