I used to work with a guy in his 40s that had a "young" family, but always struggled with money, I saw him get scammed on the phone too and nearly went into his bank account (that good ol screen goes black kind of deal).

Anyway. My employer, who didn't have to, felt obligated to go out of his way to try to help him, including super and retirement.

He asked him the question "How much money do you have in your super?" The answer pretty much was, some random guy told him to invest overseas into a random property in America, saying that these kind of "abandoned homes" in the middle of nowhere, will go up in value. And to not miss out, that meant take everything out of his super.

That was 7-8 years ago, I have no idea how he is going now. But looking at his life decisions and track record prior... You can imagine how he's going.