Don't count superannuation toward your financial freedom target if you want to retire in 10-15 years. You can't touch it until age 60-plus, so focus on assets you can actually access now.
So for me, would I be taking superannuation into consideration for a financial freedom figure? No, I would not. It's like it's 25 years away if I was going to be using that. So I'm not interested in 25 years, you know. So to me, you got to start asking the question, what's your outcome? What's the resources that you get in the timeline? What's the resources that you have at your disposal that's going to form a part of that? So it's also going to depend on your timeline. If you've got a plan to create financial freedom in 10 years, 15 years, yet you can't access your super for 25, then don't use it.
