Share this @internewscast.com
Is super fairly providing for all Australians in retirement? With legislative changes to superannuation imminent, Insight asks if our super system is working for us. Watch Insight episode Super Future on SBS On Demand.
In 2010, my marriage ended after 23 years. It was unexpected and left me little time to plan for my retirement.
My husband and I didn’t touch each other’s superannuation in the settlement, and I kept the house — eventually buying him out.
I became solely responsible for the mortgage, home and contents insurance, household bills, and a few car loans we had added over the years.

I consistently ensured I had sufficient funds for groceries and gas. However, after covering all my expenses in some weeks, my bank balance would dwindle to just $38 for the next two weeks.

When compulsory superannuation began in 1992, I didn’t give much thought to retirement.
I was 27 years old, pregnant with my second daughter and working part-time. I knew I could contribute voluntarily to my super, but at that stage of life, I wasn’t thinking that far ahead.
My focus was on raising a family — paying for things like dance lessons, school fees, the mortgage, and occasional family holidays.

We weren’t financially savvy and lived from pay to pay. Saving wasn’t something we did regularly.

‘I’m still not sure where I found the extra money’

When I heard colleagues discussing salary sacrificing at my full-time public service job in 2000, I started to contribute 5 per cent of my salary.
However, I didn’t really understand the supposed benefits.
I finally took a closer look at superannuation when I got divorced, 10 years later. I felt that, now I was single, I had to future-proof my retirement. Who else was going to?
So, I began contributing 10 per cent to my super, which was matched by my employer.

I’m still not sure where I found the extra money — but I made it happen.

a woman scuba diving in the ocean underwater

When Jen was diagnosed with Parkinson’s, she decided she would make the most of her ‘good years’ and get her scuba diving license. Source: Supplied

In 2014, I was diagnosed with Parkinson’s disease. I was told I had five good years left.

That meant I would most likely not be able to work by 53 — an age too young to retire and too young to access super as a lump payment.
The future felt even more uncertain, especially financially.
Finding out that I had Total and Permanent Disability insurance through my super provided some relief. But it wasn’t enough to secure my future.

My main goal was to keep my house, which I viewed — and still view — as my long-term security.

‘Never considered stopping’

The challenges did not end there; at 52, I was diagnosed with early-stage breast cancer.
Although it was caught early, I had to undergo a unilateral mastectomy, followed by 12 months of recovery due to complications.
The financial pressure returned.
I had to take long periods of leave and faced the possibility that some of it would be unpaid.

Fortunately, my workplace supported me by allowing remote work, and I began driving for Uber between medical procedures for extra cash flow.

Throughout all of life’s unexpected circumstances, my goal was to retire at 60, take a partial lump sum and pay off my house.
Looking at my projected super balance for that age gave me a sense of direction and hope.

I had periods of financial stability and periods of real struggle, but I never considered stopping contributing that 10 per cent of my income.

An unlikely catalyst

Today, I am on leave until I officially retire in September, when I’ll turn 60.
I’ve just about made it, and I have my divorce to thank as an unlikely catalyst to my current superannuation balance.
Knowing I wasn’t going to be living with a dual income — and it was all going to be on me — motivated me to reassess my situation and start contributing more.
Looking back, saving for retirement wasn’t easy … but I’m so thankful I started salary sacrificing when I did.

I only wish I had started doing so sooner.

I believe it’s important to have your own financial plan and stick to the goals you’ve made.
I’ve encouraged my two daughters, who are in their 30s, to start salary sacrificing early and to be active decision makers in their financial future.
I want them to be proactive about their superannuation; to act on it — not just sit around and think about it.

Relying on someone else can be risky and you never know what life will bring.

a side by side image: LEFT is a middle aged woman holding a blonde toddler in front of a red background and RIGHT: three women smile together in front of balloons, two are young and one is middle aged

Jen with one of her grandchildren; and Jen with her daughters. Source: Supplied

Twelve years on from my Parkinson’s diagnosis, I am managing well; but I know it is a degenerative illness that will only get worse.

My superannuation also means that if my health deteriorates, I can bring care into my home and hopefully won’t have to go into aged care.
But for now, I’m focusing on staying well, spending more time with my grandkids and when I officially retire, I want to buy a caravan for travel.
The only criteria for where I go: places I haven’t been.
Share this @internewscast.com
You May Also Like
President Donald Trump speaks during a cabinet meeting at the White House, Tuesday, July 8, 2025, in Washington. (AP Photo/Evan Vucci)

Trump Considers Doubling Tariffs on Australia

US President Donald Trump has declared his intention to impose a 35…
Carolina Wilga, 26, has been backpacking through Australia for the past two years and works on mines to fund her stay at hostels.

Latest Updates on the Missing Backpacker’s Whereabouts in Western Australia’s Outback

Police discovered the unique Mitsubishi Delica van that the 26-year-old had been…

Family of Detained Palestinian Woman Raises Concerns After Her Australian Visa is Revoked

Relatives of a 62-year-old Palestinian woman who fled Gaza say they have…
Carolina Wilga stopped at a petrol station in Toodyay about 4.30pm the day before she was last seen.

Lost Backpacker Carolina Wilga Rescued in Isolated Western Australia Outback

Missing German backpacker Carolina Wilga has been found alive in the remote…
Police are appealing for witnesses to come forward after a girl was hit and run over by a dirt bike in Sydney's far south-west yesterday.

Search for Motorcyclist After Dirt Bike Incident Involving 9-Year-Old Girl

Police are appealing for witnesses to come forward after a girl was…
Desmond Avery will stand trial after pleading not guilty to all charges over a deadly home invasion.

Man Refutes Involvement in Home Invasion Resulting in Accomplice’s Death

A man facing charges for a home invasion that resulted in a…
Police suspect AFL star's car was used in drive-by shooting

Authorities Believe AFL Player’s Car Involved in Drive-By Shooting

Exclusive: 9News can report that Jamarra Ugle-Hagan, the Bulldogs star who is…

US and NATO to Provide Ukraine with Weapons Ahead of Key Announcement on Russia

Donald Trump has announced that the United States will be providing weapons…
President Donald Trump speaks during a cabinet meeting

Trump Announces Plans to Make a ‘Significant’ Statement on Russia

Two days after complaining about Vladimir Putin’s “bulls—“, Donald Trump says he’s…

“Brazil’s President Threatens Equivalent Retaliation to Trump’s Tariff Plan, Vows ‘We’ll Impose a 50% Charge'”

Brazil’s President Luiz Inacio Lula da Silva expressed his desire for a…

Israeli Airstrike Claims Lives of Children Waiting for Medical Care Near Gaza Clinic, Reports Aid Organization

This story contains graphic content that may be distressing for some readers.…

Afghan Asylum Seeker Appeals to Australian Authorities to Halt Deportation

Nearly four years after being captured and tortured by the Taliban, Ahmad…