There is something important you need to know about your 401(k), 403(b) or other similar retirement account. You cannot have it both ways: You cannot enjoy the benefits of investing untaxed income and then have unrestricted access to those funds. The money you invest in that plan is for retirement. The government allows you to build your account quickly by investing pretax dollars. But there is a catch: You must give up unrestricted access to the money until you reach retirement age.

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