In regards to 401K, you are hit with an early withdrawal fee of 10%of the amount you cash out, as well as you are taxed on it at wte tax rate you fall in to once it us added to your yearly total for income. I believe if you have iwned your house for over 2 years and LIVED in it, there isn't a capital gain assessed but it has been a few years since I sold our home as well as investment property. Lastly, you need to get FIRM clarification on the ability to withdraw the 401 set aside to you. In my first divorce, I was awarded HALF of everything. Including half of annuities, 401s and pension plans that were solely in his name. Some I was able to cash out immediately and others I am able to withdraw once HE turns 67, even though they are set aside to me. If I shoukd pass before him, my account reverts back to him. Lmao. Great, isn't it?