The Pros and Cons of a 401(k) Loan

Podcast: Managing Your Financial Future with Lucia Capital Group · Lucia Capital Group

Opublikowano: 2026-11-03

Have you ever considered borrowing money from your 401(k)? It can sound like a pretty good deal. After all, you're borrowing from yourself, paying yourself back with interest, and avoiding the need to borrow from a bank. But there are some important tradeoffs that you should consider. A 401(k) loan may make sense in certain circumstances, but it can also create problems you didn't anticipate. What happens to your investments while that money is out of the account? Could the loan affect your ability to keep saving for retirement? And what if you leave your job before...