{"id":263443,"date":"2025-05-29T16:35:47","date_gmt":"2025-05-29T14:35:47","guid":{"rendered":"https:\/\/novanews.co.za\/paarlpost\/?p=263443"},"modified":"2025-05-29T16:36:29","modified_gmt":"2025-05-29T14:36:29","slug":"what-happens-when-your-golden-years-are-looking-more-like-bronze","status":"publish","type":"post","link":"https:\/\/novanews.co.za\/paarlpost\/what-happens-when-your-golden-years-are-looking-more-like-bronze\/","title":{"rendered":"What happens when your golden years are looking more like bronze?"},"content":{"rendered":"\n<p>If you\u2019re nearing retirement and your savings aren\u2019t where they should be, it\u2019s time to act \u2013 fast. Jurgen Eckmann, Wealth Manager at<a href=\"https:\/\/www.consultm.co.za\/\"> Consult by Momentum<\/a>, says having a contingency plan is critical.<br><\/p>\n\n\n\n<p>It can feel like it happened in the blink of an eye: one day, you&#8217;re busy building a life and a career; the next, retirement is just around the corner. You picture long, leisurely days in the garden or chasing your grandkids around the yard, proud of a life well lived.<br><\/p>\n\n\n\n<p>But perhaps, somewhere along the way, you cashed in a pension fund when moving to a new job to pay off some lingering debt. Or maybe setting aside the recommended 15% of your income towards retirement felt too steep at the time \u2013 and you kept promising yourself you&#8217;d catch up later.<br><\/p>\n\n\n\n<p>Now, later has arrived. And the reality is setting in: your current savings might not be enough to sustain the retirement you envisioned. So, what do you do?<br><\/p>\n\n\n\n<p> <strong>What\u2019s your Plan B?<\/strong><br><\/p>\n\n\n\n<p> \u201cFor those in their late 50s or early 60s who are approaching retirement with little to no savings, the first step I recommend begins with a psychological reset, says Eckmann. \u201cIt\u2019s important to acknowledge your current reality without shame or panic. This emotional acceptance creates the foundation for meaningful action.\u201d<br><\/p>\n\n\n\n<p><strong>Eckmann shares tips to help you take control:<\/strong><br><\/p>\n\n\n\n<p>\u00b7 Audit your budget and cut ruthlessly \u2013 Review your bank statements line by line. Cancel unnecessary subscriptions, downscale where possible, and redirect every spare rand towards building your financial buffer. Consider downsizing or generating income through renting out a room or garden cottage, or converting part of your home into an Airbnb or student rental.<br><\/p>\n\n\n\n<p>\u00b7 Eliminate high-interest debt \u2013 Tackle unsecured debts like credit cards and personal loans first. Freeing yourself from interest payments boosts your ability to save and invest.<br><\/p>\n\n\n\n<p>\u00b7 Investigate all forms of support \u2013 Apply for the SASSA Old Age Grant (currently R2,310\/month) and look into senior discounts, municipal rebates, and subsidised services in your area.<br><\/p>\n\n\n\n<p>\u00b7 Turn your skills into income \u2013 Consider freelance consulting, remote admin work, or community-based services like tutoring, baking, or childcare.<br><\/p>\n\n\n\n<p>\u00b7 Delay or reframe retirement \u2013 Working a few years longer has a triple benefit: you earn longer, save more, and shorten the period your retirement funds must last. Alternatively, consider approaching retirement as a gradual transition rather than a cliff-edge. Partial retirement with flexible work can ease both financial and emotional shifts.<br><\/p>\n\n\n\n<p>\u00b7 Don\u2019t neglect healthcare planning \u2013 Prioritise a medical aid suited to seniors and set up a dedicated healthcare reserve fund to protect against unexpected costs.<br><\/p>\n\n\n\n<p>\u00b7 Consult a professional \u2013 You might believe the cost of a financial adviser to be an expense you can ill afford, but right now is when you need it the most. A qualified financial adviser can help you create a strategy that combines annuities, savings, income-generation and government support tailored to your circumstances.<br><\/p>\n\n\n\n<p>\u201cRemember, planning for retirement isn\u2019t just about crunching numbers. It\u2019s also about adjusting your expectations without giving up on a life of dignity and comfort. Getting from \u2018not enough\u2019 to enough\u2019 usually doesn\u2019t happen through big windfalls \u2013 it\u2019s about making a series of small, smart decisions that add up over time.\u201d<br><\/p>\n\n\n\n<p><strong>Avoid the scramble<\/strong><br><\/p>\n\n\n\n<p>If you&#8217;re in your 30s or 40s and haven&#8217;t saved enough for retirement, there&#8217;s still time to turn things around \u2013 but the sooner you act, the better, says Eckmann.<br><\/p>\n\n\n\n<p>\u201cStart by eliminating high-interest debt and freeing up cashflow. Channel this into tax-efficient retirement products like a retirement annuity, and take full advantage of any employer contributions, he advises. \u201cMost importantly, commit to a plan and stick to it. With discipline and a long-term view, you can still build a comfortable retirement.<br><\/p>\n\n\n\n<p>\u201cThe best time to start is yesterday; the second best time is now,\u201d he reminds.<br><\/p>\n\n\n\n<p><strong>Bronze doesn\u2019t have to mean broken<\/strong><br><\/p>\n\n\n\n<p>While the idea of a \u201cgolden\u201d retirement might feel out of reach, it doesn\u2019t mean your later years can\u2019t still shine. The first and most powerful step is to acknowledge your reality and take back control, says Eckmann.<br><\/p>\n\n\n\n<p>\u201cYour retirement doesn\u2019t need to follow the traditional script to be meaningful, secure and dignified. With creativity, support and sound advice, even bronze years can bring golden moments.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re nearing retirement and your savings aren\u2019t where they should be, it\u2019s time to act \u2013 fast. Jurgen Eckmann, Wealth Manager at Consult by Momentum, says having a contingency 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let your golden years turn bronze.","article_media_icon":"1","article_template":"news","author_byline":"","background_color":"","block_editor":"1","byline":"","cmplz_hide_cookiebanner":"","competition_end_date":"","contact_advertise_email":"","contact_advertise_phone":"","contact_editorial_email":"","contact_general_email":"","contact_general_phone":"","contact_office_hours":"","contact_physical_address":"","enabled":"","featured_image_custom_caption":"","featured_video_url":"","fields":"","font_body":"","font_header":"","frequency":"","headline":"What happens when your golden years are looking more like 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