The other comments in this thread explain it much better than I could, but I will also throw in my 2 cents and add that you should absolutely not cash out your

The other comments in this thread explain it much better than I could, but I will also throw in my 2 cents and add that you should absolutely not cash out your 401K. You're better off finding a better job. Once you do, you won't have to think about dipping into retirement savings for this.