Why millions of workers are raiding their retirement accounts just to survive right now

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Customers shop for beef at a grocery store on April 06, 2026 in Los Angeles, California. Amid persistently high food inflation, the price of a pound of ground beef has risen to between roughly $6.49 and $8.96, often exceeding the federal minimum wage of $7.25 an hour, as supply shortages, drought, and disease affecting cattle herds drive costs higher while wages remain unchanged since 2009. (Photo by Justin Sullivan/Getty Images)

A new report on employee benefits warns that economic stress is quietly reshaping how American workers relate to their jobs.

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