Monkey 6: I’m not working, so how can I possibly think about saving for retirement?

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The key to realising a dream is to focus not on success but on significance — and then even the small steps and little victories along your path will take on greater meaning.

Oprah Winfrey, TV personality, billionaire and philanthropist

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In everyone’s life, there will be times when it is not possible to make extra contributions to a superannuation account because today’s financial concerns are more pressing. Even if you’re not working, your existing super benefits are accumulating while you’re getting on with life.

You may not be working now, but for most women, time out of the workforce is generally not a permanent condition. For example, many women who have children eventually return to full-time or part-time work.