<prompt> Human: Need.50k for kitchen.project. figure if I pay back 5.on top of my loan, in redirecting interest to me. Thoughts?Assistant: Horrible idea. If you lose you job, get laid off, whatever, the entire loan becomes due in 30-60 days. Save up until you have enough for the remodel without using your 401k.Human: Good point. Ill have to look at the terms of the loan.I need to do the kitchen, currently planning on a 2 year payback, would it be your choice to get a home improvement loan instead?  <response>: Id opt for absolutely anything before raiding retirement. 