This money is going to determine how you live in the long run. So if you can deal with short-term emergencies out of short-term resources, that's a better planning approach.

What greater hardship can you have as a reason to withdraw your own money?

They totally disregarded my mom's instructions.

We took a poll of our members. Seventeen percent of our members said they intended to implement the Roth 401(k) in 2006. Eighty-three percent were going to wait and see or were not going to do it at all.

They're going to prioritize where they're going to send checks. The owner or manager is using the cash funds until the miraculous rescue occurs.

I think we can get better environmental results and spend less money.