Patrick. 1. When you get old everything gets difficult. Spending on restaurant dinners? Too tired. Can't drive at night. Holidays abroad? Can't get travel insurance. And so on.

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Hi. Contributing to super is easy! THE RIGID RULES AROUND ACCESSING IT when we need it are COMPLEX (unless you have lots of it to begin with/enough to be fully self funded (or are over 65yo or already OAPension age) & you don't care about the implications/expense of what happens if you make a WRONG decision!

If we are expected to spend OUR hard earned super then it should be made so much more simple to access so that we are able to manage doing so ourselves without spending around $4000 to get advice (which usually involves INVESTING this money with a product that most likely brings gains to the person advising) that may or may not even be trustworthy advice!

I'm 61yo (& still working part time- meaning my income is barely enough to pay the bills) & have been trying to figure the best way to access my super to top up income but the rules make it damn near impossible to access it how i want (ie limits to lump sums & how often i can take them or having to draw down until my super is exhausted etc- no flexibility whichever way i look at it!).

It is MY money but so many others are getting a cut from it while it sits in super account (Account based due to losing my main job 2yrs ago)

Change the rules to make it easier to access when its needed!

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