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hasn't the pension age already been moved to 67 for those not that old? didn't krudd do that? as long as you have non super means of retirement till you get to 72 and can then tap the super you will be fine. did anyone say 78? that's the biggest risk of super imo. i tip in 25k pa because...

even when you work as pay then you will only have enough super on retirement for a few years living before you end up on the pension.