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More Americans are tapping their 401(k)s for financial emergencies, with the percentage of retirement savers pulling money for hardships spiking 24% in the 12 months through Sept. 30, reports Employee Benefit News. For now, the overall percentage of savers withdrawing money for sudden hardships remains low, rising to 1.3%, according to a study by Empower Retirement. And about 60% of that activity came from savers with incomes below $60,000.