Vanguard’s How America Saves 2026 report found the most common reasons for tapping a 401(k) in advance were to avoid ...

Dipping into your 401(k) before age 59½ usually means penalties, taxes and lost earnings. But there are some exceptions.

There are more ways than ever to use your retirement account as an ATM. But those transactions come at a cost.

Last year, a record number of workers in 401(k) plans plucked money from their accounts to pay for financial hardships, ...

You can take withdrawals from your 401(k) before you retire but in most cases you will pay a penalty in addition to income ...

Learn the essential withdrawal rules for Roth 401(k)s to prevent taxes and penalties, ensuring you're optimizing your ...

Vanguard data shows Americans are pulling money out of their retirement accounts early at record rates to help make ends meet.

“I’ve read this advice again and again.” ...

More Americans than ever facing financial stress are turning to their retirement savings to cover immediate expenses. Some 6 ...

Roughly 6% of participants in Vanguard-administered plans took hardship distributions in 2025, up from about 4.8% in 2024, ...

Learn how a Roth 401(k) works in 2026, including contribution limits, withdrawal rules, tax benefits and how it compares with a traditional 401(k) or Roth IRA.