In this 22 July 2026 published video, host Michael Bordenaro talks about how people are being driven by stubbornly high living costs and mounting debt, roughly 6 percent of participants now take hardship withdrawals—triple the pre-pandemic rate. Younger workers frequently treat 401(k)s as de facto emergency funds, with about 1 in 3 fully cashing out their balances when changing jobs rather than rolling them over.
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