[Nepeta]

That's a part of the problem: these are not "hardship withdrawals" but I-don't-care-about-the-future withdrawals.

Uh, no, and I speak from first-hand experience. I'm using the money to keep the lights on and cheap food in the pantry. I care a lot about the future, but I still have bills, job or not.

[RockinRight]

I hate when people presume that those who are jobless can just sit on the toilet and sh*t out money.

Reading FR you’d think we could.

Thankfully my family is doing OK financially, but I know many in your position.

Best of luck to you.