There are three broad definitions. Have a look and then, if you would like to investigate your options, contact us, using the options at the bottom of this page.
| Comfortable retirement | Modest retirement | Age Pension |
| Replace kitchen and bathroom over 20 years | No budget for home improvements. Can do repairs, but can’t replace kitchen or bathroom | No budget to fix home problems like a leaky roof |
| Better quality and larger number of household items and appliances and higher cost hairdressing | Limited number of household items and appliances and budget haircuts | Less frequent hair cuts or getting a friend to cut your hair |
| Can run air conditioning | Need to watch utility costs | Less heating in winter |
| Restaurant dining, good range & quality of food | Take out and occasional cheap restaurants | Only club special meals or inexpensive takeaway |
| Fast internet connection, big data allowance and large talk and text allowance | Limited talk and text, modest internet data allowance | Very basic phone and internet package |
| Good clothes | Reasonable clothes | Basic clothes |
| Domestic and occasional overseas holidays | One holiday in Australia or a few short breaks | Even shorter breaks or day trips in your own city |
| Top level private health insurance | Basic private health insurance, limited gap payments | No private health insurance |
| Owning a reasonable car | Owning a cheaper more basic car | No car or, if you have a car, it will be a struggle to afford repairs |
| Take part in a range of regular leisure activities | One leisure activity infrequently, some trips to the cinema or the like | Only taking part in no cost or very low cost leisure activities. Rare trips to the cinema |
