Speaking of 401k's, don't be afraid to borrow against it if you absolutely need to. Most times, you'll have 5 years to pay it back without penalty, and most of the time, the fees that you DO have to pay, go directly back into your 401k..


Payback can be simple if you're currently employed as they garnish your paycheck over a stretch of pay periods.


Also avoid borrowing from your 401k when unemployed, that's when they try to hit ya with massive penalties and fees..

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