Hi, all. I wanted to get opinions/ideas on what I could say to my parents who own a business that I work for as a bookkeeper. They want to use their 401k as an emergency fund for their business. I believe this is a really bad idea and they should have cash reserved for the ups and downs of business but not their 401k cash. They don't listen to me about finance so I must not be saying the right things to get them to understand why that would be a bad idea. My father plans to keep working and doesn't plan to "retire". My mom doesn't work. They're in their 60s. Any advice?