Tapping into their funds today, thinking they won’t need them tomorrow. I’ve seen so many people try to rationalize that pulling out retirement funds to meet immediate pressing needs is OK. I completely understand how challenging it is for Americans to pay their bills on a monthly basis. Everything from the mortgage to their children’s sports activities is a drain on finances and that makes things difficult. It can sometimes be easy to justify present wants as being more important than future needs. However, you must make your retirement savings a priority and don’t procrastinate in adding to your 401(k) account. Most importantly, do not withdraw your retirement savings until you are well into your golden years. If you can do that, I promise that you will thank me later.