<prompt> Human: This is a strange situation and Im definitely missing something very obvious here and need some what should be straight forward advice.Until recently I was earning over 300K per year, but the job was very unusual and didnt come with a lot of the other benefits that youd expect with a role that pays over 300K, so no stock options etc. Im now trying to get a completely new business off the ground and as a result, have had no income for the past 6 months. As of next month Ill be in a position to pay myself 100,000K, but despite cutting the costs and outgoings in my personal life, they still will greatly exceed my incomings and Ive burnt through all available cash on hand. Ive got nearly 500,000 in various 401K accounts and approximately 400,000 in equity in my house. My credit rating is 800. Im 45 and live in California.Ive been to both my mortgage provider Citi and my credit union where I run all my checking stuff and both have said due to lack if income and even with the plan to pay myself something, my debt to income ratio is so far out of whack that they wont lend me a penny...my credit union wouldnt even extend an overdraft facility to me! My mortgage is just under 1M via a single loan. I have 4 leased cars, one for myself, my wife and my two kids who are both in high school. Im the only source of income.I have no other debt.Im owed about 50,000 in my tax return, which will be submitted as soon as I get all the reports from my financial institutions. My issue is clearly short term and I dont want to borrow out of the business, as Im in partnership with someone whos investing all the money and I feel at this stage it would undermine their confidence, plus, were in the middle of another raise and I would prefer even a small loan not be on the books. My question is, whats the best way for me to access cash? My first port of call was my 401K, but clearly thats a punitive way of accessing cash and is really my last resort. What other straightforward ways of accessing short term cash am I missing here?  <response>: WHY THE HELL ARE YOU LEASING CARS FOR TEENAGE KIDS? Cut those expenses, get them beaters off CL, and that will gross you another 500 a month in payments and insurance... Honestly, you need to lower your lifestyle, Seems like you guys are stilling living the half million dollar life on 100k... That doesnt fly for long... 