By David More than a quarter of Americans took money out of retirement accounts for short-term expenses this year, according to a new survey. The survey, from Betterment at Work, found that 28 percent of Americans took money out of retirement accounts to cover everyday expenses. Also, the survey found that 75 percent of employees said that their retirement accounts have taken a hit because of market volatility. With inflation and other factors draining people’s wallets, just 40 percent of employees rated themselves as financially stable, a 9-point drop from a year ago. Only 59 percent of emplo…