Never touch your retirement savings money no matter what. Try to think of your retirement funds and accounts as lost money. Pretend that all the money you have invested is simply not there. Try to lock your money up in your IRA, or mutual fund, so that you cannot easily access those funds. At the very least, try to set up the funds difficult to access quickly. If you have a cool down period, you will likely decide to be smart, and leave your retirement monies where they belong – in a bank, bond, fund, home, or safe investment.
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