A Warning Sign the Media Won’t Spell Out Americans aren’t supposed to touch their 401(k)s early. That’s the deal. You work. You save. You retire with dignity. But that deal is breaking down. More workers are pulling money out early—hardship withdrawals, they call them. Sounds harmless. It’s not. This is a signal. A loud one. It means paychecks aren’t stretching far enough. It means savings accounts are empty. It means the cushion is gone. And when millions of people hit that same wall at the same time, it stops being personal. It becomes systemic. When Survival Eats the Future Let’s be clear: nobody wants to raid their retirement. People do it because they have no other option. Medical bills pile…
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