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In the past 12 months, have you borrowed money from or cashed out (permanently withdrawn) money from any of your retirement savings accounts?
Borrowed or cashed out retirement savings in past year · Asked in 9 waves, 2014–2022 · 55,398 responses · weighted estimates computed from individual responses
Shares of people who gave an answer. Each column is one wave, evenly spaced rather than to scale in time; hover for exact shares.
| Group | No | Yes, borrowed money | Yes, cashed out | Yes, both | n | MoE | |
|---|---|---|---|---|---|---|---|
| All respondents | 92% | 4% | 4% | 1% | 7723 | ±1 | |
| 18–29 |
| Poll | Field dates | Mode | Respondents | Responses |
|---|---|---|---|---|
| SHED 2022 30 imputed values recoded to -1. | 2022-10-21 to 2022-11-01 | web | 11,667 | 7,723 |
| SHED 2021 26 imputed values recoded to -1. | 2021-11-01 to 2021-11-30 | web | 11,874 | 7,879 |
| SHED 2020 | 2020-11-01 to 2020-11-30 | web | 11,648 | 8,030 |
| SHED supplemental survey, July 2020 | 2020-07-01 to 2020-07-31 | web | 4,174 | 2,984 |
| SHED 2019 | 2019-10-01 to 2019-10-31 | web | 12,173 | 8,179 |
| SHED 2017 | 2017-11-01 to 2017-12-31 | web | 12,187 | 7,555 |
| SHED 2016 | 2016-10-01 to 2016-10-31 | web | 6,610 | 4,508 |
| SHED 2015 | 2015-10-01 to 2015-11-30 | web | 5,642 | 4,126 |
| SHED 2014 | 2014-10-01 to 2014-10-31 | web | 5,896 | 4,414 |
Shares of people who gave an answer. A group’s column is left blank in waves where its effective sample is under 50; hover for exact shares.
| 94% |
| 2% |
| 2% |
| 1% |
| 1654 |
| ±3 |
| 30–44 | 92% | 4% | 4% | 1% | 2585 | ±2 |
| 45–64 | 90% | 5% | 5% | 1% | 3073 | ±2 |
| 65+ | 89% | 2% | 8% | 2% | 411 | ±5 |
SHED 2022 · US adults 18+. Shares of people who gave an answer. n is unweighted; ± is the 95% margin of error at 50% from the weighted effective sample. Groups with an effective sample under 50 are grayed; under 20, hidden.