The coronavirus relief package signed into law on Friday removes the padlocks from Americans’ retirement accounts, letting workers access money that was previously off-limits with relative ease. As it has done in previous economic crises, Congress lifted 10% penalties for early retirement withdrawals and allowed for more generous loans from 401(k), 403(b), IRA and other retirement  accounts. Among the bill’s provisions:It lets people make early withdrawals from retirement accounts without paying the typical 10% penalty.It allows people to take bigger loans from those accounts, up to $100,000.It provides an additional year (on top of what a particular plan offers) to repay those loans.It lets IRA account holders over age 72 and a half keep more money in their accounts by not requiring them to take a distribution this year.These changes are crisis measures, allowing Americans to access whatever money they may have as the spread of coronavirus freezes large portions of the U.S. economy. Still, tapping a retirement plan should be a last resort, financial professionals warn. Here’s how the legislation changes the retirement plan rules, along with other options for raising money.  Early withdrawals from retirement accountsNormally, if you want to take money out of a 401(k), 403(b) or


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