<prompt> Human: I am awful with money, I mean horrendous. I am behind in rent 3600, is this an OK time to pull from my 401k? I know I can repay myself in a timely manner, no fees involved.Assistant: If it is your only reasonable option to get the cash and keep a roof over your head then Id say its a no-brainer.Human: I agree with this. Should be a last resort so hopefully OP has considered all other options. Better question for OP to be asking themselves is what they will do to improve to avoid being in this situation. Emergency fund should be priority 1.Assistant: Im unsure what went wrong. For the longest time, we had barely enough money to survive. About a year and a half ago I landed a job paying 80k - 100k depending on overtime and now we find it hard to stay afloat. I have kept a 1k emergency fund up until about a month ago.  <response>: You need a budget... bad. 