Learn about affordable mental health support for a healthier, happier retirement.
This article was reviewed by experts at MindSpot.

Life after 60 can bring wonderful new opportunities, but it can also come with its own unique challenges. The good news is that the right support can make a real difference at any age.
— Professor Nick Titov, MindSpotRetirement isn’t always relaxing
While retirement is often portrayed as stress-free, the reality can include financial pressure, isolation, and uncertainty. It’s okay to feel overwhelmed. Help is available.
Why mental health is important – especially on a tight budget
Retirement is a major life change. Shifts in routine and income can feel stressful, even when the change is positive. Looking after your mental health during this time is vital. Stress adds up – and it takes a toll on your resilience.
Financial stress
Financial stress can have a big impact on mental health. Research shows that lower income Australians are far more likely to experience high psychological distress. Unfortunately, they're also far less likely to access Medicare-subsidised mental health care.
The good news is there are other ways to support your mental health, without breaking the bank.
What can you do to support your mental health?
Start with small actions. Make time for activities you enjoy. Reach out to friends or community groups. These simple steps can help you feel more connected and supported.
More tips for staying mentally healthy through life changesIf you’ve been finding it hard to do things that usually help, that might be a sign you need extra support to get back to feeling like yourself.
What free or low-cost support is available?
A tight budget can make finding the right mental health support feel overwhelming. Here’s how you can find some affordable support:
- Talk to your doctor. They can refer you to subsidised psychotherapy sessions and treatment plans.



