In 2014, Bernadette Janson wrestled with many sleepless nights.

At the root of her sleeplessness was the fact that she had so little saved for retirement and, only $20,000 in her superannuation account.

After acting to fix her super, Bernadette Janson says it’s never too late to start to plan for your future and boost your balance.Credit: Nick Moir

“I’d lay awake until early hours of the morning with my mind in overdrive, the anxiety was debilitating. I’d think about all the things I wanted to do,” she says.

“With four young adult children, I wanted to help them one day buy property, but we had a mortgage too. When the alarm went off each morning, I woke up exhausted.”

At the time Janson was in her late fifties and running a cafe. On top of this her husband’s superannuation had taken a battering too, so they decided to come up with a plan.

“I was killing myself running a catering business and I knew I couldn’t keep this up. My husband would ask me why I was awake half the night and when I told him, he couldn’t........

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