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Ultra-low rates won’t last forever — you’ll want to act fast to seize this opportunity.

You might want to hold off on that, said Kristian Finfrock, founder and financial adviser at Retirement Income Strategies. “Although I don’t want her to deplete her savings, I prefer it over the retirement account loan, which has far-reaching consequences in my opinion.” You didn’t specify what type of retirement account you have at work, but if it’s a 401(k), there are a few rules you should know.

‘He says he doesn’t want to pay rent, as he is not getting anything in return and the money is wasted. He thinks I am making money from him.’
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