由于所得税和罚款，专家建议不要从退休账户中提取五分之一的工人；根据 CFP 的说法，401(k) 贷款被视为最后手段。 1 in 5 workers withdrew from retirement accounts, advised against by experts due to income tax and penalties; 401(k) loans seen as last resort, per CFPs.

五分之一的工人从退休账户中提取资金，金融专家建议不要这样做，因为这会导致所得税和提前提取罚款。 1 in 5 workers have withdrawn money from retirement accounts, a practice advised against by financial experts, as it leads to income tax and early withdrawal penalties. 退休专家安妮·莱斯特警告说，此举的长期后果可能是痛苦的。 Retirement expert Anne Lester warns that the long-term consequences of this move can be painful. CFP 表示，401(k) 贷款应该是最后的手段，因为它可能对个人的财务和未来的退休计划产生负面影响。 A 401(k) loan should be a last resort, say CFPs, due to the potential negative impact on a person's finances and future retirement planning.