Anchiy/E+/Getty About half of Americans have taken or plan to take an early withdrawal from a retirement account during the pandemic, according to one survey. Even if your retirement account is your best option for quick cash right now, tread lightly, says a financial planner. If you don't make a plan to replenish your account, it could be damaging to your retirement. Sign up to get personal finance stories straight to your inbox » If you had to pull cash from a retirement account lately, you're not alone.