out those funds early can cost you steep withdrawal penalties. bad idea. even more alarming, 21 million americans are not saving for retirement at all. there is a silver lining in these numbers. millennials were the least likely to dip into those funds and the most likely to say their financial situation has improved over the last year. more "new day" after this. decisions, decisions. this one would keep me organized. i could list all the days i've been banned from social media. hmmm, wait this thing has built-in live broadcasting? i don't know what nerd came up with that, but it's awesome. you think they'd censor pippa's doggy-ola's? censored, not censored. censored, not censored. introducing the samsung galaxy s6 edge+ and the note5.