但是雇员从自己的401(K)退休帐户中借钱有其危险性，因为从中贷款如果拖欠还款、或做「困境提取(hardship withdrawal)，其取出的钱将被算是收入需要缴税；且如果雇员年龄不足59岁半，则必须付10%的罚款。
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此外，在拥有401(k)帐户的员工中，申请困难提款(hardship withdrawal)的也更多了。所谓困难提款，是指一定条件下，个人仍在为其雇主工作尚未退休时从退休计划中申领的提款。
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One of the options that taxpayers often consider is a hardship withdrawal from a retirement plan.
FORBES: Taxes From A To Z (2013): H Is For Hardship Withdrawal
If you have a retirement plan at work, you may be able to take a hardship withdrawal or a loan.
FORBES: How to Buy a Home Without 20% Down
In other words, the decision to take a hardship withdrawal is not made with the IRS but with your employer.
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