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It is well established that individual undergoing financial hardship may access their superannuation early. financial hardship has bee understood to include tertiary tuition, unemployment beyond a specified period etc.I see no objection to an estate agent suggesting to someone who cannot pay his rent that he consult a financial advisor with particular reference to getting an early refund o f superannuation.. Unemployed persons who cannot pay their rent deserve all the advice that they can get. Their options should not be concealed from them.