emergency savings

Household Spending Data Reveals Employee Borrowing Patterns
Team SummitEmployee Outcomes, Employer Resource CenterComments are off for this post
New data suggests individuals’ decisions to take 401(k) loans are driven less by discretionary spending needs and more by day-to-day cash-flow constraints. A December 2025 study conducted by the Employee Benefit Research Institute (EBRI) and J.P. Morgan Asset Management sheds light on what drives participants to take out 401(k) loans and how those funds are  Read More →

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