{"id":7689,"date":"2024-11-05T16:21:17","date_gmt":"2024-11-05T21:21:17","guid":{"rendered":"http:\/\/therosenbaumlawfirm.com\/blog\/?p=7689"},"modified":"2024-11-05T16:21:17","modified_gmt":"2024-11-05T21:21:17","slug":"loans-and-hardships-dont-affect-deferrals","status":"publish","type":"post","link":"https:\/\/therosenbaumlawfirm.com\/blog\/?p=7689","title":{"rendered":"Loans and hardships don\u2019t affect deferrals"},"content":{"rendered":"<p>A research paper from the Wharton Pension Research Council states that 401(k) contributions are \u201cremarkably stable\u201d after loans and hardship withdrawals. Quite honestly, I always saw loans as a non-issue since it would be a participant-directed investment and the issue with hardship distributions is that they\u2019re leakage.<\/p>\n<p>It seems that thanks to auto enrollment and auto escalation Being so prevalent, loans and hardship distributions don\u2019t negatively impact savings behavior.<\/p>\n<p><span class='st_sharethis' st_title='{title}' st_url='{url}' displayText='ShareThis'><\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>A research paper from the Wharton Pension Research Council states that 401(k) contributions are \u201cremarkably stable\u201d after loans and hardship withdrawals. Quite honestly, I always saw loans as a non-issue since it would be a participant-directed investment and the issue &hellip; <a href=\"https:\/\/therosenbaumlawfirm.com\/blog\/?p=7689\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n<p><span class='st_sharethis' st_title='{title}' st_url='{url}' displayText='ShareThis'><\/span><\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/7689"}],"collection":[{"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7689"}],"version-history":[{"count":1,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/7689\/revisions"}],"predecessor-version":[{"id":7690,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/7689\/revisions\/7690"}],"wp:attachment":[{"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7689"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7689"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/therosenbaumlawfirm.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}