More than a quarter of workers havealready withdrawn money from retirement accounts to pay forsomething other than retirement. And another 42 percent anticipatethey will have to do so, according to PwC. (Photo:Shutterstock)

Fear can be a tremendous motivator, says Kent Allison.

But anxiety over financial concerns can also be crippling,forcing workers into a stasis that is compounding poor financialdecisions for many.

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Nick Thornton

Nick Thornton is a financial writer covering retirement and health care issues for BenefitsPRO and ALM Media. He greatly enjoys learning from the vast minds in the legal, academic, advisory and money management communities when covering the retirement space. He's also written on international marketing trends, financial institution risk management, defense and energy issues, the restaurant industry in New York City, surfing, cigars, rum, travel, and fishing. When not writing, he's pushing into some land or water.