the pandemic inflation and the turbulent stock market have strained personal finances pushing more than onethird of workers to take money from their 401k accounts before they retire a total of 37 of workers have taken a loan early withdrawal andor hardship withdrawal from their 401k or similar plan or ira according to a new report released by nonprofit transamerica center for retirement studies tcrs in collaboration with transamerica institute that total includes 30 who have taken a loan and 21 who have taken