由于财政紧张,更多的美国人正在退出401(k),平均将近2 000美元,主要是为了避免驱逐或取消赎回权。 More Americans are withdrawing from 401(k)s due to financial strain, averaging nearly $2,000, mainly to avoid eviction or foreclosure.

根据金融规划师比尔·登迪(Bill Dendy)的说法,更多美国人正在持续财政紧张的情况下从401(k)计划撤出,自2024年以来的提款增加了1%。 More Americans are withdrawing from 401(k) plans amid ongoing financial strain, with a 1% rise in withdrawals since 2024, according to financial planner Bill Dendy. 平均提款额略低于2 000美元,主要是为了避免驱逐或取消赎回权。 The average withdrawal is just under $2,000, primarily to avoid eviction or foreclosure. 高通货膨胀率虽然现在有所减缓,但仍继续超过工资增长,对家庭预算的压力越来越大。 High inflation, though now moderated, continues to outpace wage growth, increasing pressure on household budgets. 虽然《安全2.0法》允许对自然灾害或家庭虐待等紧急情况免收罚款,对个人还款紧急情况可免收高达1 000美元,但Dendy警告此类规定可能延误必要的财政决定并危及长期退休保障。 While the Secure 2.0 Act allows penalty-free withdrawals for emergencies like natural disasters or domestic abuse, and up to $1,000 for personal emergencies with repayment, Dendy warns such provisions may delay necessary financial decisions and jeopardize long-term retirement security.