Don’t Raid Your 401(k) to Buy a Home: A Costly Mistake in Disguise

from Watchdog on Wall Street with Chris Markowski · host Finance, Investing, & Markets

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured Using your 401(k) for a home down payment may sound like a shortcut to homeownership—but it’s a bad idea that could leave buyers worse off. Chris explains why tapping retirement savings won’t make housing more affordable and will likely do the opposite by inflating prices even further. As markets begin to cool and home values slowly correct, unlocking trillions in 401(k) capital would pour gasoline on the real estate fire, rewarding sellers and agents while setting buyers back years in retirement savings. It’s another well-intentioned policy that misses basic economics—and risks keeping everyday Americans poorer, not better off.

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This episode was published on January 20, 2026.

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LISTEN and SUBSCRIBE on:Apple...

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