<prompt> Human: Im 36, married with a 3 year old at home. Ive been President of my company for 2 years and finally have the chance to buy it. However, I need to come up with the down payment for the bank loan. Im contemplating refinancing my house and emptying my 401k and Roth IRA to come up with the cash. Once I own the business I can use the profits to replace the retirement fund and pay down my mortgage to get the equity back. But I know this is really risky. Any advice.Edit in response to questions: the business is a professional services company. The company tends to keep around 200,000 to 250,000 on hand in cash at all times. Ive been w the company for 4 years. Im being asked to commit at least 75,000 of my own money. Company is worth 2,000,000. I dont plan on retiring for 30 years, give or take.  <response>: If it involved raiding my retirement plan and home equity, Id have a very strong bias against it. 