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Your retirement account should not be your emergency fund.

We all know retirement accounts give you some great tax breaks.  But if you withdraw funds from your retirement accounts early, you usually pay an early withdrawal penalty unless that withdrawal falls into one the exception categories, plus income tax if the money came from a traditional IRA or 401(k).  A recent survey from T.D. Ameritrade found that approximately 46 percent of 40-somethings reported withdrawing money from their retirement accounts.   The attached article explains why that’s a problem and what you can do instead if you’re in need of some quick cash. Read article here…

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