Once the funds are earmarked in retirement accounts, the prospect of taxes and penalties for early withdrawals might induce some households to save more outside of retirement accounts to achieve nonretirement goals.
When the funds are in retirement accounts, taxes and penalties for early withdrawals might make people save more outside of retirement accounts.
There are no taxes and penalties for early withdrawals from retirement accounts.
A rocky field is covered with snow and ice.
A flock of birds playing soccer.
The mare made a noise.
A man is walking.
the boy was indoors
The girl in the red coat is outside in the park.