<prompt> Human: Been putting in A LOT of money in 401k. Is pulling some from it really that bad? I know Id pay tax on it, Id be doing that if I didnt put it in there anyways. And Id pay a 10 fee, but Ive been getting about 12 on it for a while. Im just curious if Im missing something.  <response>: Unqualified 401k withdrawals are one of the most expensive ways to get cash. Id even suggest short term credit card debt over raiding a 401k, its that bad. You eat a penalty, often pay heavy taxes, and have a huge long term opportunity cost.Have you considered contributing less for a while if you need liquid cash? Have you considered a 401k loan? A personal loan? What is it you even want to buy so bad that youre willing to eat a huge penalty?Ive been getting 12 on it.Welcome to one of the best market runs in modern history. This is not the norm and even if it was it would be a reason not to raid retirement. 