I thought this was a great question and answer to share with people. I have had many people ask me the same question and my answer has been fairly close to this one.

Can you borrow from an IRA, 401(k) or Roth IRA to invest in a rental property or a business? — Bob H.

It can be tempting to borrow money from your retirement funds, but it's usually not a good idea, warns Frank deNapoli, senior vice president at Winslow, Evans & Crocker in Peabody, Mass. "You're shortchanging your retirement," he says.

I am 31 years old and contribute more than enough to my 401(k) to obtain the company match. I also max out my contribution to a Roth IRA every year.  I would like to contribute to a Roth 401(k), but my company does not offer this plan. Can you help me understand the benefits of a Roth 401(k)?  Also, do you have any recommendations on selling my company on making a Roth 401(k) option available? — Justin