I would add if you are gonna take from your 401K to just do a loan that way you avoid the 10% penalty on early withdraw, but you do have to pay it back with interest but it is better than paying a 10% tax. We had to do that once, and our 401K charged us 5% interest, that was paid back into our account. All in all it only cost us $25 to borrow $10K and we paid it back.