Scary news out there, folks: Thanks to credit card debt and tapped-out home equity loans, roughly 18% of all American workers had 401k loans outstanding in 2007. 18%! That's up 64% just from 2006!

Let us burn this into your brain so you never forget - your 401k account is NOT a piggy bank! Think of it as kryptonite … it needs to be UNBREAKABLE.

If you do borrow against it, be aware you're jeopardizing your financial future - that's YOUR stress-free retirement going down the tubes! How? Check out just a few of the many pitfalls that can happen …

Next: 401(k) Loan Pitfall #1

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10 Deadly Retirement Sins

The financial crisis makes retirement planning even more important, not to mention more difficult. We've found that often the best advice is what NOT to do, so we put together a list of the top 10 'sins' to avoid as you plan for a golden future. Play Video.

Help! I Want to Retire in 5 Years

Saving for retirement is not something we Americans do particularly well - and that's without the added strain of a financial crisis. Read More.

It's Not Too Late to Save Your Retirement!

The economic crisis has already claimed trillions in retirement money, but the Dolans have the kryptonite you need to fight back and save your golden future. Play Video.

Are You Making These IRA Mistakes?

Are you making crucial mistakes with your retirement planning? Here are the biggest ones you should avoid. Read More.

Can You Really Afford to Retire?

Has the financial crisis put a crimp in your retirement plans? Here are some new factors you need to consider before hitting the golf course. Play Video.

Beware "Senior Specialists"

If you're retired, you not only need to be concerned about how you are spending your money but also how others may want to spend it. Read More.

Is Your Annuity Safe?

Can you still count on your annuity to provide retirement income in the face of the financial crisis? We'll tell you how to find out. Read More.

Where to Invest NOW

The economy may be crumbling around us but you can still make smart moves with your money. Here's what you should be doing now. Play Video.