Major policy shift incoming: The Trump administration is rolling out changes that would let people tap into their 401(k) accounts and redirect those funds toward down payments. This could reshape how Americans approach homeownership financing and liquidity management. Given the scale of retirement savings in the US, this policy move could have ripple effects across the broader financial market—potentially freeing up significant capital that might otherwise remain locked in retirement instruments. For those tracking macro trends and asset allocation strategies, this is definitely worth monitoring closely.