I appreciate all the info posted in this thread.I am 63 going on 64.I was surprised as I had an emergency pop up where I was injured pretty badly and was out of work for a year.Needless to say the amount of worker comp was 30% of my normal income.
My credit was in ruins.From reading this before my credit was destroyed with a credit score of 510.I forgot about my 401k
I did not have a great amount in there but I had enough to make a withdrawal and pay my creditors.I always have paid my mortgage but all of my other bills were way behind,
Now my credit score has moved up to 670 and I am working again even though I am only making 60% of my old income.
Thank you it shows people can learn something from such and old post
Thanks