 or avoid borrowing from your 401K. Those are general rules that are good. But if you have a child with a life-threatening illness who needs treatment that's not covered by insurance and it's more than your emergency fund, you're gonna eat into 100% of your retirement funds. You don't care that there's a 10% penalty. You're gonna take on as much credit as you can possibly obtain. I mean, shoot, if this were me, I'd be panhandling on the street doing whatever it took to pay for as many treatments as needed. But you're not gonna hear that advice on a radio show.