You may not be aware of this, but you can tap into that cash early. You just need to know the different options available to you before you do it, including what's the best time to do it and other factors like taxes and penalties. This information is vital if you want to tap your cash early without any financial repercussions.
If you take a 401(k) loan, you will need to repay it within five years or at your retirement, whichever event comes first. If this time should arrive before you retire (or if you cannot afford to make your loan repayment), you will be forced to make an early withdrawal. This has significant tax consequences, since you will need to repay the full amount of your loan (and its associated interest) even though you've only paid off part of it.