More are tapping into their 401k's before retiring ...

This is another indication of continuing hardship for many Americans (http://finance.yahoo.com/news/Fidelity-401k-hardship-apf-2372973658.html?x=0&sec=topStories&pos=2&asset=&ccode).  We will post our thoughts regarding overall debt, disposable income and savings levels in the next few days.