standing, squatting so they could all fit in there on these extremely rugged roads. >> new legislation aimed at your 401(k). lawmakers are looking to limit you from tapping into retirement funds saying that many people are using their 401(k) as a piggy bank and they cannot repay those loans. they're coming up with new rules. you can't take out more than three loans at one time. the rollover period for repayment after leavinging a job is going to be extended. and finally, you can continue to make elective contributions during the six months after you have taken a hardship withdraw. >> we know a lot of people have been doing that, taking money out of their 401(k)s but it does rob your retirement later on. >> an absolute last resort. >> this is not the smartest argument. but there are some people who say i'm loathe to do this because my money is tied up. i put money in there. but if i need it, i can't take it out. >> when people don't have to -- it used to be pensions. you didn't have any choice over the money.