Sean has just turned 32 years old. Unfortunately, he has lost his job because of the COVID19 pandemic and so decides to withdraw $10,000 now from his superannuation fund to help him meet his personal expenses. What impact will this have on his accumulated superannuation balance at his retirement at age 67 if it turns out that these savings would have earned returns of 6% p.a. compounding monthly up until his 42nd birthday and 9% p.a. compounding monthly after that?