Cash is fanned out from a wallet in North Andover, Mass., June 15, 2018. Too many people cash out their 401(k)s when leaving a job — and part of the problem may be generous employer matches, researchers have found. Large matches can change how employees view their retirement savings, shifting their attitude from viewing a 401(k) as an “untouchable lockbox” to a liquid windfall of sorts. (AP Photo/Elise Amendola, File)
