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How old is the OP? There some provision to take money from a 401K penalty free after 55 if you leave the job. It is important to realize that you still pay taxes and it has to be from a 401K, that the option disappears if you roll it over to an IRA:

Here's how it works: If you're participating in your company's 401(k) plan and decide to leave employment at any time during or after the year you reach age 55, there will be no penalty for taking distributions from the plan. Normally, any distribution (other than specifically-qualified distributions such as rollovers) before age 59.5 would result in a 10% penalty.

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