I have a friend who went and raided his 401K in order to buy some stuff around the house (big flatscreen TV, furniture, hot tub and new deck). He took out a loan from his 401K, and now is pissing and moaning that he has to pay it back. He is also bent out of shape because he thinks that there will be nothing left in SS when he retires (he is 49ish now I think). Somehow people/administrations think that it is ok to 'borrow' from your retirement to go buy a new TV.
It frightens me to think that there are many more in this country who think the same way.
Steve