lives. it's like committing suicide. a permanent sugars to a temporary -- solution to a temporary problem. they need to have planned more and saved. they see this as a fast fix and the only solution they have. it's a bigger indicator of their trust and confidence in the economy and in the administration. >> neil: clearly they're running out of options and almost anything else is doing something like this. we know about the 10% withdrawal penalties and it shrinks the available retirement money. on all levels we know how bad it is but it says something about financial hardships when folks have no other option. what's going on? >> well, sometimes they think they have no other options. the problem is people wreak emotionally. what i discover and i get hundreds of emails every week. they don't know about the 10%