My other concern is the volatility of the market.

But hey, I dont blame you for asking.

Weve all done it, right?

A man’s hand holds a bird nest containing a golden egg.

If mom says no, ask dad.

If the Google consensus is no, call a friend just to be sure.

She promised me plenty of opinions on taking a loan from your retirement account.

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she said by email.

Interest rates are less important than your behavior.

No Interest Til Almost 2027?

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Theres also nothing saying you cant pay off that student loan early on your own, she said.

No need to borrow from your future self to do so.

Still not convinced Karabaic doesnt like borrowing from 401(k)s?

Did you know?

I hope youre feeling the weight of this peer pressure, Perplexed.

Dont let us down out there.

As my college roommate used to implore before a night out: Make good choices!

Disclaimer: Chosen questions and featured answers will appear in The Penny Hoarders Dear Penny column.

I wont be able to answer every single letter (I can only key in so fast!).

We reserve the right to edit and publish your questions.

Dont worry your identity will remain anonymous.

I do, however, promise to give you honest advice based on my own insights and real-life experiences.

Lisa Rowan is a senior writer at The Penny Hoarder.