<prompt> Human: Hi everyone. Looking to invest in tax liens. Im reading some states you get about 18 per annum return. Issue is I dont have the money laying around needed. I have about 140k in my 401. Should I take a loan out of that since I will be making 12-18 on my investments?I dont even know if I can take a loan out of it even. Or should I get a personal loan ?  <response>: I will be making 12-18 on my investments?Dont count your chíckens before they hatch. I think taking out a loan to engage in a risky form of investing is a classic path to financial ruin. 