I ' m not sure why you would recommend against . The interest rate on the credit card of 22 % is almost guaranteed to be higher than market returns in a 401 k , even after the tax advantage of the 401 k . Expected stock returns are probably in the 57 % range . Taking a loan from your 401 k means you can pay it back into the 401 k later . The only reason why this would be a bad idea is if the loan was not used to pay down debt and was instead used for unnecessary expenses . <| sep |> Very true ! Just ask Rowan . <| sep |> hey i already follow this ig page , neat ! <| sep |> The Incel Support forum has been defunct for a couple years they made a followup with many of the same members called YouAreNotAlone , and I ' m not sure if it ' s still around .