Cash is fanned out from a wallet in North Andover, Mass., June 15, 2018. Parenting comes with many responsibilities, and one is raising financially independent kids. Generally, it’s best to leave the money in your retirement accounts safely tucked away. Withdrawing money early can trigger taxes and a 10% penalty, plus it can cut into what you otherwise would’ve had for retirement. (AP Photo/Elise Amendola, File)
