Most Kiwis reaching the age of 65 will find their KiwiSaver payout is the biggest lump sum of money they've ever been paid.
But how can they manage it?
Acumen Financial Advisor Lisa Dudson says the key to enjoying your KiwiSaver is to take your time with it, and be wise with the spending.
She spoke to Duncan Garner.
Watch the video for the full interview.