Contact your 401(k) plan administrator or HR department
Log in to your retirement account online
Check your plan’s withdrawal, loan, and rollover options
Verify whether you are eligible to take money out
Submit a withdrawal request if you qualify
Request a hardship withdrawal if your plan allows it
Take a 401(k) loan if your plan permits loans
Roll over the funds to an IRA or another eligible retirement plan
Cash out the account if you are allowed to do so
Review taxes, penalties, and required forms before withdrawing