<prompt> Human: Ive just started using YNAB in October and it is well on its way to helping me eliminate my modest amount of debt 5k student loan, 4k car. My biggest monthly bill is my 6-month tuition payment plan which is 450 a month.Anyway, my parents have had a hard time paying the mortgage the past 5 years and have been living very frugally. I moved back home 25 years old in order to finish my education without taking on additional loans. I make about 25k in take home pay a year. I withhold a lot and usually get a tax refund of over 4,000. I put 25 in an employee stock purchase plan every paycheck so that I can make 5 on that money 4 times a year. I sell the stock the day it purchased to realize an automatic 5 gain. Ive should have been contributing more to my 401k a long time ago, and I recently upped my contribution from 2 to 4. I plan on increasing that when my debt is paid off and I have gotten one semester ahead of tuition payments and funded a 3 month emergency fund. I only have 150 in an emergency fund right now, but Ive only been budgeting for a very short amount of time. Wish I had started a long time ago!My dad really needed a new car recently because he was spending upwards of 200 every other month on repairs and maintenance on a 1993 Cadillac. Cost him so much money, grief, and it guzzled gas. So me and my brother bought him a car in September, in my brothers name. I have no contract or anything with my brother, but me and my brother get paid on the same day and pay 80 each paycheck towards the car, which amounts to twice the monthly payment each month It is a verbal agreement that has worked out so far. I worry sometimes about what would happen if one of us gets injured or loses a job. We are already 3 or 4 payments ahead and have begun making principal only payments. Last week, our plumbing situation got messed up. Everything on the north side of the house became unable to drain. The south side of the house is fine. All of the water from the north side of the house meets up with the pipes from the south side of the house before leaving the property. Basically, before the north side meets the south side, the pipe has collapsed, which is underneath a concrete basement. So while we can thankfully still use our toilet and shower, we have been having to wash dishes in the bathtub and use neighbors and the laundromat for laundry. The repair has been estimated for 2,000. My parents have no way to pay unless they increase their credit card limit, and their interest rate is over 13. Looking around for help, I found out that Fidelity will allow me to take a loan of 3,565 against my 401k. It is a 60 month loan at 4.25, which would save my parents a lot of interest. Doing the calculations, the monthly payment should be 66.06, paying just the monthly minimum should result in a total interest expense of 398.60.Im like 70-80 confident in my parents being about to repay me. My mother is extremely uncomfortable, always has been, whenever her children step in to help. My mother doesnt want me to pay a dime towards the loan or the interest, she wants her and dad to repay the whole thing quickly. I told them to make the minimum every month, but to please pay off their credit cards before making larger payments towards the loan. My dad wants me to take the loan out like yesterday, and he wants me to take the full loan and take the left over money and spend it on re-modeling the basement been in process for about 8 years. I kind of wish that hed take the leftover money from the loan whatever is left after the floorplumbing work and immediately put that towards his repayment to get him comfortably ahead of the payments. My brother has said that he will help my parents pay back the loan as well.I want to know if I lose out on any ROI while my loan is out, since it is against my 401k. It is about half of my total balance. How would I budget this in YNAB I realize I could xpost, but Ive seen a lot of YNABers in personalfinance? Im getting pretty comfortable with the software, but some of the finer details are still new.tl;dr What are the effects of taking a loan against the 401k? How should this be budgeted in YNAB? Anything I need to know about loaning money to close family members?  <response>: Anything I need to know about loaning money to close family members? Dont do it, unless youre perfectly fine with never getting that money back. 