Nearly a third of U.S. workers took a 401(k) loan or hardship distribution last year, according to a Financial Finesse study. Nearly half of workers earning $35,000 to $60,000 tapped their 401(k) accounts in 2012, while 11% of those with incomes over $200,000 did so, according to the study. The study also said that 34% of women borrowed from their 401(k) funds, compared with 23% of men.

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