Maybe you should consider making double or triple payments for a couple of years so you dont have to hit the 401k. Then when you have bitten a big enough chunk out of it to avoid the 401k, reassess your position.


"Never Trust Government" -- Smart people.
"The Great thing we should Fear and the Weird Thing we Trust is Elon Musk" -- Me
"You can be broke but you cant be poor." -- Ruthie-May Webster