In theory, the super withdrawals scheme was intended to be another form of a safety net for pandemic-impacted workers. Instead much of the withdrawals were directed toward discretionary spending, with gambling the second largest recipient for super withdrawal funds after debt repayments. According to figures provided by Shadow Assistant Treasurer Stephen Jones, “a 25-year-old who withdrew $20,000 will be between $80,000 and $100,000 worse off in retirement”. An analysis by Industry Super Australia concluded that a $20,000 withdrawal could cost a 30-year-old $100,000 at retirement, and a 40-year-old $63,000. For some Australians, super withdrawals were a much-needed lifeline, for others a tool to further goals of home ownership and for some, a lotto-like windfall that was spent accordingly.