<prompt> Human: TLDR: Unemployed for 6 months and savings is completely depleted, 401K? So in early May I lost my job and my wife is also unemployed. Weve both been searching obviously but have had no luck finding employment. My wife did briefly hold a job teaching at an inner city school but had to quit voluntarily for her own safety long story, another time.... I have around 19K in a 401K. I know there are stiff penalties for early withdrawal Im 31 if that matters, but I am not sure exactly how to handle the situation. I dont see any other options as our credit is trashed from having to stop paying our credit cards and only making the absolute necessity payments on our vehicles no cars would mean seriously limited job opportunities. I am broken emotionally right now with the situation. Not being able to support my wife and daughter is a massive hang up for me so maybe Im not thinking of all options, thats why I am here. Any advice? Thanks for you time.  <response>: Try picking up a part time job or side gig while you keep looking for something more permanent. Even if its fast food, delivering pizza or driving for Uber, its better than nothing. Also, lots of retail stores will be hiring extra help for the holidays, which makes this the perfect time. And you said your wife is a teacher? She should look into subbing or tutoring. You can even tutor online now and make pretty good money. Also, sounds like you still have two cars? I understand the need for a car, but if neither of you are working, you should be able to work out a schedule to share one car. I would really seriously consider selling one of the cars before you tap into your 401k. 