This is one time when I want you to procrastinate. I really mean it. If you are so much as thinking about thinking about touching the money in your 401(k) right now, STOP! Procrastinate, procrastinate, procrastinate, and put it off until you are safely in retirement.

Touching that money will cause more harm than any good it could do right now. In today's Everyday Cheapskate, I give you all of the reasons why. Check it out.