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A Bankrate survey estimates that 31 million Americans have taken – or plan to take – early withdrawals from their retirement accounts during this financial crisis. But what are the long-term effects of borrowing from your savings? Plus, what if you get an early retirement or buyout offer? Gary & Laurel discuss what you might want to consider. Have questions for your Money Mentors? Set up a 15-minute phone call at www.mattsonfinancial.com. See omnystudio.com/listener for privacy information.