I also would be interested in the answer to this.
Clark Howard, the other day on Hannity, gave some interesting advice.
Move/change your qualified (401, 403, IRA) money to non-qualified securities. Take the 10% penalty, but DO NOT SELL your securities (or sell and rebuy, I guess, does the same). You’ll take a 10% tax penalty at the bottom of the market, keep the stocks, then you’ll have full control of them as the market recovers.