Fox News panelists sparred this week over a recent Senate bill aimed at keeping retirement savings from becoming a rainy-day fund. [See Senate bill would restrict 401(k) loans]

With about a third of savers borrowing from their plans, retirement clearly has taken a back seat. No, the 401(k) wasn’t designed to be a penny jar for cash-strapped days, but it’s also not untouchable. That’s why it’s so appealing.

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