Safer ways to raid your retirement, if you have to

A 30- year-old who withdraws $1,000 from an individual retirement account or 401 could lose more than $11,000 in future retirement money, assuming 7% average annual returns. Congress recently added several more, and some of those exceptions allow you to repay the money within three years. The new penalty exceptions are part of Secure 2.0, a package of…