The purpose of a 401(k) is to provide retirement income, so the last thing you ever want to do is access that money while you're still working. But if times get tough and you grow desperate for cash, you might be tempted to tap that account early and access the money that's technically yours.
As you’ve probably noticed, financial wellness is all the rage. According to one survey, about 90 percent of large and mid-sized companies are now offering financial wellness programs as an employee benefit. But what exactly is “financial wellness,” and are you financially well?