So, Kelly, we just mentioned that 10% penalty on the surface. This doesn't sound like a smart move, but are there situations where an early 401k withdrawal actually does make sense. Well, thank you so much for having me on your show today.It's really great to be here. Yes, it does make sense in some cases because emergencies do happen and sometimes people just need cash and liquidity. When we look at our data as to why people are taking early withdrawals, the top two reasons are avoiding eviction as well as ...