there are prices to pay. people are tapping into what are very valuable retirement funds in an effort to just stay solvent during these times hoping the economy changes. >> arthel: kyle, as we know, many people got to the point where they felt like they had no other choice and they dipped into their 401(k) accounts and is there any way that they'll be able to replenish or make up for those losses? >> well, again, you highlighted something, there is penalties associated with that for withdrawing money prior to being 59 1/2 to the tune of 10%. so if you took out $5,000, you would be -- you have a penalty of $500. okay? you have to repay it within certain permanent. so it does slow the growth process down. it's not what you really want to do, but more than ever, arthel, you're seeing people that really need to do that. like i highlighted, "washington post" said one in four people are doing that. here is the thing, what's really, really interesting, it's people across all economic