Fun fact: you can withdraw from your 401k. While there is a hefty tax penalty, you still can do it. Maybe you can get a down payment on a house or pay off student loan debt. Just make sure you withhold taxes from your payout. Don’t get caught with that bill at tax season

Especially handy if you have a job with good matching and instant vesting. Of course, this is not finacial advice, but it is an option that exists.