Wal-Mart has offered its employees some advice on how to spend their retirement assets that is probably not too popular with the company’s 401(k) plan provider. The company has suggested its employees cover a 30% hike in health insurance coverage by using their 401(k) savings, according to a story appearing in The Wall Street Journal.

Wal-Mart, which matches 2% of workers’ salaries in 401(k) accounts, is allowing its workers to use their 401(k) assets to cover the increased costs, which amount to $100 biweekly for family coverage, according to the story.

A recent company announcement suggested the option, but does not mention that such a move includes tax liabilities, the story said. However, Wal-Mart has informed its employees of the consequences of such a move in other company memos, a spokesman told the Journal. "We want to give our associates as much flexibility as we can," the spokesman said.

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