From www.abc.net.au: Millions of Australians accessed their superannuation early during the COVID-19 pandemic, with 3.05 million people withdrawing a total of $37.8 billion.

Although there is no requirement to pay back these withdrawals, financial experts recommend rebuilding retirement savings by making personal contributions, particularly until June 30, 2030, to benefit from tax advantages.

Individuals should seek professional financial advice and use tools like the Moneysmart superannuation calculator for effective planning.