<prompt> Human: Hey team, Im hoping someone has seen this situation before and could offer their thoughts...I have a 401K loan that was used to finance the down paymentclosing costs of a new home. My wife and I are also due for a baby soon. We have decided its best for our family that she stop working and be a stay at home mommy for a while. So, the question Im asking is: what is the best thing we can do with her 401K savings to benefit our family? Details:Obviously, the 401K loan that we used to fund the home purchase is reducing my monthly paycheck. To me, it made sense that we could just roll hers into mine and then payoff the 401K loan. However, my employer is now telling me its not an option because 1: her 401K is not in my name and 2: the funds couldnt be used to payoff the loan anyway, since that would be construed as me using income to pay it off. Reddit; is there some other alternative out there that doesnt create a tax event that we could use to solve this problem? Thanks!  <response>: Nope. Keep her 401k funds in a tax advantaged account for retirement. 