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More than one-third of workers with 401(k) plans admit to taking money early from the account, according to a recent survey from the Transamerica Center for Retirement Studies. One of the perks of having a 401(k) plan is that you can tap the funds in times of need. It’s not the usual blah, blah, blah. Click here to sign up for our free newsletter. These retirement savings plans offer a few ways…