No husband, no kids, no regrets—why her $1.6m retirement plan has everyone talking

When it comes to building wealth for retirement, some people make choices that challenge society’s expectations.

One woman’s bold financial strategy has stirred strong reactions—and prompted many to question what really matters when planning for the future.

Her controversial approach, shared on national television, is now sparking a nationwide debate.


When Julia, a 37-year-old HR professional from Melbourne, took the stage on Insight, she didn’t hold back.

Her appearance on the program sparked a wave of heated discussion after she revealed her projected $1.6 million superannuation balance and shared the decisions she believed helped her get there.

And while some applauded her financial discipline, others were rattled by her unapologetic views on the cost of traditional family life.


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Woman’s $1.6m super plan sparks backlash. Image source: Pexels/Tima Miroshnichenko


‘I’m here tonight to empower the next gen of women and my advice would be aimed more so towards them,’ she began.

Then came the comment that stunned the audience: ‘It is going to sound super controversial, but I would say one thing is, don’t get married. And if you do, make sure someone is benefitting from it, whether it be for a visa or a tax saving of some sort.’

Julia said she had been working since the age of 16 and had aggressively salary sacrificed throughout her career, which helped her build a strong super portfolio. Even if she stopped contributing now, she said projections showed her fund would still grow to over $1 million by retirement. But she was quick to point out that discipline alone didn’t get her there.

Instead, she credited her decision to forgo marriage and children as a major financial advantage—one that came with personal sacrifices, but significant rewards.

‘I would say this one is really controversial, but consider refraining from having children,’ she added. ‘Because by the time that kid leaves your home, it will have cost you as much as a Lamborghini. You could be driving your Lamborghini or that sum could be sitting in your superannuation growing.’


Research from the University of New South Wales published in 2024 supported her claim, revealing that the average Australian household spent between $100,000 to $300,000 per child.

Julia, who came from a refugee family, said money was always a topic of conversation in her household growing up, which instilled in her a strong financial mindset from an early age.

She bought her first home at 21, immediately after graduating from university, and has since added more properties to her portfolio. In addition to working full-time, she also earned two more degrees and maintained an active social life among older peers at her yacht club.

‘I can’t really relate with younger persons, or they’re not as freely available emotionally, time-wise, and financially as I am,’ she explained.

Julia’s disciplined lifestyle also allowed her to enjoy luxuries that many Australians might only dream of. She spoke of taking around 20 trips to Europe, as well as owning caravans and boats—all funded independently.


Her advice wasn’t limited to lifestyle choices. She also urged younger Australians to better understand how money works, especially when it came to superannuation and tax.

‘You don’t need a master’s in commerce or an MBA to appreciate it,’ she said, referring to the benefits of compound interest.

‘I think we’re going to have a lot of poor retirees in Australia in my generation—not enough people are contributing to superannuation via salary sacrifice, in my opinion.’

She argued that schools should prioritise financial education, including how to navigate the taxation system and understand the long-term power of compound interest.


Still, not everyone agreed with Julia’s seven-figure target. In June, AustralianSuper released data suggesting most Australians were retiring comfortably with far less.

The Association of Superannuation Funds of Australia currently recommends $595,000 in super for singles to retire with a ‘comfortable’ lifestyle—defined as an overseas holiday every seven years and an annual trip within Australia.

AustralianSuper’s head of advice and guidance, Ross Ackland, said: ‘Some people think they need to be chasing a seven-figure balance to live well in retirement, but many Australians are thriving with less because they’ve planned around their lifestyle, not just a number.’

As for Julia, she said she planned to retire within the next decade—‘at the latest’. Whether her approach is deemed too radical or simply realistic, it’s clear her comments struck a chord with many Australians questioning what a ‘comfortable’ future really looks like.

Key Takeaways
  • Julia, a 37-year-old from Melbourne, projected a $1.6 million super balance and credited her wealth to avoiding marriage and children.
  • She said the cost of raising a child was equivalent to a Lamborghini and advocated for financial independence over traditional family roles.
  • Her disciplined lifestyle enabled her to buy property, travel extensively, and fund luxuries without financial support from others.
  • While some experts argued a smaller super balance could still support a comfortable retirement, Julia stood by her plan to retire within a decade.

Julia’s story has certainly ruffled feathers—but it’s also sparked a bigger conversation about the cost of traditional life choices.

If you had your time again, would you have made different decisions about money, marriage or children? Let us know your thoughts in the comments.

In a previous story, we looked at the growing trend of senior Australians selling their homes to help their children enter the property market.

It’s a powerful contrast to Julia’s approach—where financial independence took priority over traditional family support.

If you’ve ever faced that dilemma yourself, this one’s worth a read too.

Read more: Would you sell your house just to help your kids buy theirs? Some senior Aussies already have
 

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Money can't buy love!
But who says she needs it. What I wonder about is the fact she is relying on people with children to support her lifestyle. Those renting her houses, nurses, doctors and anyone else that enriches her life now and in the future. Let her grow her own food, build her house, drive her taxis. I hate overpopulation but thank heavens these people are there to make our economy and health system work
 
Don't know about the old age part.
Most people whether they have helped kids,have a good super and savings and lifestyle for which they planned etc STILL GO.INTO CARE.
ONLY DIFFERENCE IS A GOOD PLACE OF YOUR CHOOSING OR A PENSION PAID GOVERNMENT HOME THAT MAY NOT VERY GOOD.
CHILDREN LOOKING AFTER PARENTS FULL TIME......,PRETTY MUCH ZILCH.
ONLY THOSE CHILDREN, ESPECIALLY WOMEN WHO DONT WORK ATE ABLE TO TAKE ON GULL YIME CARE OF PARENTS,EHICH I WILL ADD COMES WITH A CARER'S PENSION TOO.
I LOVE AND CARE ANOUT MY SINS AND DAUGHTER IN LAWS AND GAVE HELPED GHEM THROUGH OUT THEIR LIVES FINANCIALLY AND OTHERWISE BUT YOU KNOW WHAT?I don't expect or necessarily want,my daughter in law or sons helping me go to the toilet or showering me.Thatsvwhy I have made sure my husband and I can get care if needed and they can visit all they want when the time comes.

Also let's not forget,your daughter in law may live you,but she has a mother and father too.Is that.to be her lot in life?looking after 4 old coj
ers in nappies.....PLEASE🤣🤣🤣
I get what you're trying to say ... badly.
Didn't you re-read what you typed?
 
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This woman appears to think that the only way to become rich and independent is by not having children or getting married. Is she oblivious to the number of financially successful women, who are married and have children. If she believes that children cost so much, why not have children now, when she can afford to pay the expenses for children. If she is stating that children would cost so much, why has she not chosen to get married and live just with her husband, without children. Some women choose not to have children not because of a money issue, and then there are some women who are not able to conceive a child , these women never advocate that children cost too much. However, clearly, this woman, who is voicing on national television no husband , no children, appears to have no maternal instincts and second, she appears to lack the ability to form a relationship with the opposite sex. The only thing that has a place in her heart is money, and it appears that she can't get enough of it. She appears to be accumulating money so quick, almost as if she is trying to fill in a void, sadness, emptiness, regrets and loneliness. It's like she is trying to convey to society that this is the be all, end all, way for women to be happy and successful. She is also trying to persuade other women to follow in her footsteps, so that she is not alone, so that she looks like she has invented a new and better way of life for women. Perhaps she would be very happy on another planet, in another world, where there is only love for money and independence, and the words marriage and children become meaningless. If all women would choose to live her way of life, we would eventually, down the line of time, become zero population. But at least we would have so many rich women, sitting alone in their lavish gardens, counting their money, and with a cup of tea, productively watch the green grass grow. 🙏🦋
 
I'm 62, married for 40 years and no children - not for lack of trying - but I've taken advantage of the lifestyle and opportunities that this situation has afforded me. I applaud Julia for being unapologetically her authentic self in the face of those who criticise her choices, even if I wouldn't and haven't done the same. Contrary to popular belief, being unmarried and childless doesn't mean that you don't have love in your life. Julia may have siblings, neices & nephews, cousins, etc that she's close to. She may fall in love with someone but choose not to co-habit or marry as is her wish - I know people in this situation and it works great for them. Remember also, friends can become as close as family or closer and this may be all that one needs. Its ok to tread a non-traditional path if it makes you happy. Whether it be through choice or circumstances, not everyone has a traditional family life, but happiness is a choice and having a traditional family doesn't always make one happy.
Couldn't have said it better myself.
 
The following excerpt from above is very confusing to me, is this to help someone out or to benefit them or both?

"don’t get married. And if you do, make sure someone is benefitting from it, whether it be for a visa or a tax saving of some sort."
Dear member Jo Piper3, thankyou for your post. I was just thinking, when she said make sure someone is benefitting from it, whether it be for a visa. Isn't that called a marriage of convenience and second, is that even legal in out country. God bless, 🙏🦋
 
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So what we have here is a young woman planning her future that is against what society wants her to do.
We are entering an age where The Handmaid's tale is becoming a documentary. Laugh all you will, just look at how the USA has taken away woman's power over their own bodies. And please, don't lecture me on what the Bibles says and it's murder, if you don't know what I am talking about it's called Abortion . It's their body. Ok.

I say to the above woman. you do you because I myself am living in a way that is against what society wants me to do and it's legal too.

Yes children cost more than money. Sometimes they are ungrateful.
lt's how you bring them up mine are not
 
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If this..If that…..Everything looks better in retrospect…..thing is, is that by the time you might retrospectively look at your life, it’s too late so what’s the point……And if you had lived that retrospective life, would it have been better or would you look at it later in life and say, if this…if that just the same….
 
is this not her business?
Dear member Jest, thankyou for your post. How is this her business, when she went on nation wide TV, to advocate her no husband, no kids, no regrets way of life. If this is her business, then she should mind her own business and keep her way of life to herself. Second, it's almost as though she is trying to tell the world about her money making scheme, and that money making scheme is, don't get married and dont have children and you will be rich. Third, yes, children cost money, they are not toys they are humans that have needs to live a healthy and happy life. But how is having a husband who works, going to cost money and prevent her from making her millions. This woman is an attention seeker big time. Why go on nation wide TV and confidently convey a message to women like hey, don't burden yourself, dont make sacrifices, don't stress or worry, or be bothered to care for and unconditionally love your children and husband, when you can live a life of not giving a dam in the world about anyone, and just love and be concerned about two things in life, yourself and your money. God bless, 🙏🦋
 
Julia must be getting a very high salary. There is a limit how much you can salary sacrifice. I wonder if any of her investments are in balanced funds. If so she may not have as much in assets as we are told. Maybe as Julia suggested students should be taught about financial matters instead of subjects they will never use in employment.
Hi, Towing,
There is no way her super would be in a balanced fund.

She'd be in the most aggressive portfolio that would be available to her within her fund.
I would expect funds with the highest volatility she could find for absolute greater returns they give.

Its a policy that I live by with our super accounts.

I've mentioned this many times before on previous postings.

A clear example of this, is, right now, with our, the brides & my accounts, the 3 allocated positions which we are in, as at close of business on Wed., 3rd Inst., we are now at all time record high levels, with the extremely high volatility which we have capitalised on. This also includes the bit of a "Trouncing" we all experienced earlier this year.
 

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