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Many people tap into their retirement savings to cover a large expense and wind up paying a lot more than they bargained for.

In most cases, you’ll have to pay a 10 percent penalty on an early withdrawal.

Early retirement distributions are taxed like ordinary income. You could get bumped up to a higher federal tax bracket and owe state taxes.

Taking a loan from your 401(k) could bring taxes and penalties.

Compounded growth over time is critical to saving for retirement. A relatively small withdrawal could set you way back.

Look for another job, cut expenses, sell belongings, rent out a room or take out a loan instead.

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