Retirement assets such as individual retirement accounts cannot be used to secure loans , but even they may indirectly count in a borrower's favor as evidence of astuteness .
Nine years after I had started writing, before I said, " I'm a writer, " because I was afraid of what happens without 401ks, without, " How am I going to keep up my shoe habit? That's important to me."
At that time, the reasons included email, fewer letters were being sent, a series of bad business decisions and the controversial retirement fund it has which you'll hear more about in a minute.