[Hot Tabasco]

Or losing your job of 30 years and half your 401K investments when the housing market collapsed along with the job market then having to rely on the remainder of the 401K in order to continue paying the mortgage, the gas, the electric and food, the home owners insurance, the auto insurance and maybe the kid's college tuition while you're trying to find another job.

Sometimes all the right lifetime choices aren't enough..........

[AppyPappy]

Basically, you took out a loan with an interest rate of about 25% to look for a job. 10% penalty + tax rate. The bank would have given you a better rate than that.