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2012 Year in Review, Trends in Employee Financial Issues
Financial Finesse 
Mar. 8, 2013
"In 2012, a greater percentage of employees reported having borrowed funds or taken a hardship withdrawal from their 401(k) -- 32% versus 25% in 2011. Both the decline in financial wellness and the increase in the percentage of employees that reported having taken a retirement plan loan or hardship withdrawal were most pronounced among lower-income employees, women, and Generation X."
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