Americans are seeking financial relief and, in some cases, are even desperate enough to go against conventional financial wisdom. A record number of Americans are turning to their retirement funds to cover emergency expenses. According to newly released data from Vanguard, 6% of 401(k) holders took hardship withdrawals last year. The number is up from 4.8% in 2024, and well above prepandemic levels of about 2%.  Taking funds out early is not recommended because early withdrawals from...