<prompt> Human: Title. I can take a loan from my 401k of up to 50 of my vested balance for a 4-6 interest rate that I pay to my own 401k. I can continue to contribute to the 401k even while paying the loan back. Do you really need 6 months in cash in your bank account?  <response>: Part of that 6 month emergency fund is what happens if you lose your job. Youre not going to be able to take a 401k loan if you lose your job. Maybe you can factor it into some of your plans but dont rely wholly on it, unless you want to end up doing early withdrawals. 