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 Many financial advisers frown on this type of decision. fizkes / Shutterstock.com

More than one-third of workers with 401(k) plans admit to taking money early from the account, according to a recent survey from the Transamerica Center for Retirement Studies. One of the perks of having a 401(k) plan is that you can tap the funds in times of need. These retirement savings plans offer a few ways that you can get quick access to cash: As it turns out, more than one-third of those…

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