Whether you plan to keep working after becoming eligible for NZ Superannuation or not, 65 still looms as the defining age for retirement, and it looms even larger in your 50s.
Depending on your circumstances, the prospect of reaching 65 can lead to feelings of joy, fear or uncertainty.
The 10 years before retirement are like the last lap of a marathon race. If you are leading, you could easily trip and fall before the finish line. If you are at the back of the pack, it is still possible to have a surge of energy for a respectable finish.
Power up your savings: How much you save during the last few years of your working life will determine how well you live in the 20 or 30 years of your retirement.
Work towards living on whatever your retirement income will be and save the rest.
Blitz your debt: Crunch your remaining mortgage by having part of it floating or as a line of credit, so you can make extra payments without penalty.