Take the following as truth: Allowing access to voluntary accounts like IRAs or 401(k) plans before retirement-through borrowing or early withdrawals to buy a home or to pay for education or medical expenses-is a double-edged sword.
Then the following statement: "Allowing access to voluntary accounts like IRAs or 401(k) plans before retirement is a very silly idea because then their retirement fund is very poor." is true, false, or inconclusive?
Answer: False