Would you take a loan, or touch the savings that you have sworn to never use...

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I'm somewhat in this position. You know we say I'm putting this amonut of money aside, and I'm never touching it unless my life depends on it... You get the idea... Right now, I somewhat need to use the money...My life doesn't depends on it... But I do need it... I just wonder how many of you(if any) have done this before, as in break your 'piggy bank for old age' ...And then in the end, how did you feel?