<prompt> Human: Im 25. Living in CA. With a car payment of 420. I have 5k saved up but will only take out 4K and take out a loan for 6K from my 401K and repay the 6K over 60 months. 59. I will refinance the 7K leftover from the car loan hoping to lower my monthly car payments by over half.  <response>: Do Not take money from your 401k. That money is for retirement. 