[awinder]

The US has a first time homebuyer withdrawl carve-out (which I think is defined as someone who hasn’t bought a house in 8 years?). There are also hardship exemptions. Technically you can withdrawl for any reason but you pay taxes + a 10% penalty.

[dunham]

I believe you can also take a loan from your 401k, but have to pay it back when you switch jobs.