<prompt> Human: i figure taking out a loan will:1. reduce my risk to the stock market. SP 500 specifically.2. i pay myself the interest about 5. worth about 2.5kyear.3. i use the money to make more money. a 10 return. worth about 5kyear.the key risk, if i lose my job. im royally fooked.edit: tbh, i already made the decision yesterday. so check is coming so this is a moot point already.But the main idea for this post is to use your 401k as a margin account to fuel further growth. to me this seems like the cheapest way to access capital. cheaper that a car loan 2.5, mortgage loan 4, or even a margin at a brokerage account 2 at interactive plus i am paying myself.also since the idea of making anything above 10 is foreign. consider you have 50k in credit card debt charging you the average rate of 18year. assume no revenue variability, but a guaranteed return from what would have been an expense. would you now borrow against your 401k to pay it off?in addition, i do have other access to credit to repay the loan in case i lose my job. worst case i can withdraw my contributions in my roth. lastly, i am pretty good at making money. its not a start up, its actually a blue collar business. cash flow positive. so yea, also i work investment research, kind of my job to beat the SP 500, but that is not what i had planned to use the money for. just fyi.Assistant: i use the money to make more money. a 10 returnHow do you do that?Human: Let me know also.Thanks.Assistant: split between a personal loan to family, and working capital in a business, this is prolly higher than 10.  <response>: Dude, no. No. 