The article explores the financial dilemma of parents considering delaying retirement to fund their daughter's university education.It outlines a practical approach to estimate the additional years of work required by dividing total university costs by annual surplus income.For example, $100,000 in fees divided by a $25,000 annual surplus would suggest four extra years of work.However, the author emphasizes the need for comprehensive financial modeling to assess long-term impacts.A second case study involves a couple nearing retirement who face a conflict between upgrading their home and maintaining retirement security.

The article advises prioritizing goals, considering superannuation strategies like lump sum withdrawals or the Home Equity Access Scheme, and balancing lifestyle needs with financial sustainability.

Key takeaways include the importance of early planning, evaluating trade-offs between immediate and long-term goals, and seeking professional financial advice to navigate complex retirement and inheritance decisions.