I talked to our finance guy.
Our 401(k) is structured such that it is virtually impossible to take anything out while in service.
I’d have to quit or be fired in order to access it. Even hardships don’t count unless you can document you’ve tried other options and been turned down for other sources of financing.
So I’m basically stuck.
“How long do you have to wait to re-hire me if you fire me?”
I know for fact that hardship withdrawals are possible in mine. Not sure about complete withdrawal. I would rather use the contributions that go to my 401k to pay down other debt. I’m hoping it won’t be overly complicated.