<prompt> Human: I am 28, single, and moving states to work for a different company. I made 76k a year, about to make 92k a year. This disqualifies me from a USDA 0 down home loan. I have 65,000 in a 401k. I have 6,700 in savings recently had medical debt that i paid off.No other debt. Credit of 755. Where Im moving to, there are no apartments. It is the middle of nowhere. I currently rent a house, and have a lot of furniture and such. I found a house I like for 140k. Withdrawing 15k from my 401k would put 8400 in my hand after taxes and fees. Thats 56 of the withdraw amount. Of that 6,600 lost money, 5,625 would be from my companys match matched 6 for 10. So in the end Im only paying 9375 for 8400. Yes, I lose money that could grow, but the new plan Im about to go on is better matching and such. I should catch up pretty fast. Before my medical stuff, I was good about saving money. It annoys me that with this sudden life change, Im about to need the money I just used to pay off a debt I could have paid off slowly. I get the oh no, the fees are big! idea, but the fees are nearly covered by the match. A good portion of the rest is tax you would have paid anyways if you hadnt put it in the 401k.So can someone explain why someone that plans on saving it back up quickly, that needs to find living situation in the next 3 months, and is leaving their company should not withdraw from their 401k?  <response>: So in the end Im only paying 9375 for 8400.That logic does not make sense. Money is money. Whether you got it from salary, company match, or a magic genie does not matter.If youre moving into an area where houses can be had for 140k, you can certainly find a one bedroom to rent for under 1kmo. If youre really making 92kyr, you can easily have 10k in cash after a few months without having to touch the 401k.If you must raid your 401k, wait until you start the new job, roll over the old 401k, then take out a 401k loan. At least that way you can avoid taxes and penalties. 