即使65之前也是可以salary sacrifice to super 的，这个不是问题，每个人都可以
但是eligible for super 以后可以从super 开始拿钱，但是不能一次性拿。只要一边工作一边交super就可以一边拿，每年最多能拿10%
要注意的是salary sacrifice 那部分是要交税的
Concessional (before-tax) contributions, those made from income before you paid tax on it, are taxable when withdrawn from your super account. The types of contributions that are taxable when you withdraw them include:
the super contributions that your employer must make for you
money that you salary sacrifice into super
super contributions that you were allowed to claim a tax deduction for.
Date of birth
Preservation age
Before 1 July 1960
55
1 July 1960 – 30 June 1961
56
1 July 1961 – 30 June 1962
57
1 July 1962 – 30 June 1963
58
1 July 1963 – 30 June 1964
59
From 1 July 1964
60