get another account @PeppyPatti  have to tell cenno tho. and maybe get rid of yr financial adviser if they are not doing anything. as I said b4 , regular payments are income and can risk losing pension if its too much and done the wrong way. can park it in super but sounds like you have to get it out again. need proper advisor.

spreadsheets can be used for predictions when get more advanced  yes its just formulas, but when set up right they do all the work ie change 1 number and a whole data set updates

@Glisten  havent used it in years, but can be fun. there are courses  and books as well