(WTVR) -- Some studies are showing one in four Americans are using 401K retirement money to pay for current expenses.
Most advisors say that borrowing from your future can be a risky move.
Some people say they will simply rely on social security to help them when they retire, but experts say that plan is dangerous.
Jill Schlesinger is a financial expert for CBS MoneyWatch.
"If you are under the age of 55 I think the social security system is likely to change in your lifetime, so you can't just count on it. it was supposed to replace 40 percent of your earnings"
Some people also have also said they will simply work longer into their retirement to make up for dipping into their savings now.
Experts advise against doing that as well.