coins behind glass with words break in emergency only Data from the Federal Reserve and the IRS reveals that workers respond to income shocks and other events by withdrawing 30–40 cents of every dollar they've put into a retirement account before they ever get to retirement. (Photo: Shutterstock)

Some employees are actually getting help from their bosses in setting up rainy-day funds—thanks to employer concerns about productivity levels and workers' inability to retire.

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