Amid much uncertainty for retirees, Mr Curley outlined three things that a city or town must possess to make it a feasible option for people looking to retire.

"Family is first, transport is second and facilities such as aged care and hospitals is third," Mr Curley said. "Family changes for each person, but at Dubbo you've got great access to the airport, train and bus services, and there are good medical services in place.

"A lot of people retire to coastal areas, but they don't realise a lot of these don't have the services that are going to be important in retirement.

"We have a fairly active group of retirees in Dubbo, where the concern lies is for people in the smaller towns like Walgett and Nyngan.

"But on a whole, retiring in Dubbo is more attractive then a lot of other areas due to the cost of living and its a great place."

Reports earlier in the week claimed couples would need in excess of $1.5 million to fund their retirement.

Mr Curley has heard different figures, ranging from $800,000 to $2 million, and believes retired couples, or couples on the verge of retiring, shouldn't concern themselves with the varying reports.

"How much money you need is very speculative," Mr Curley said.

"When there is uncertainty and an element of distrust with the government and opposition, it is difficult for people to retire with confidence.

"As there is uncertainty regarding things like the economy, interest rates and inflation, I encourage people to keep working as long as they are enjoying it.

"You work for a lot of your life as you need money or you enjoy it, so even if you are at an age where you can retire, but you are still enjoying it, I think you should keep working."

Mr Curley called on the government to look at making it easier or offer incentives for businesses to employ people who are 60 years or older.

"The issue with employment is once you lose it, or give it up, it can be difficult to get it back," Mr Curley said.

"If you retire at 60 and realise at 68 you won't have enough money, you've got no chance of getting a job.

"The government needs to look into this as it can be a really big issue, especially in regional areas."