Check your plan rules for withdrawal eligibility
Confirm your age and whether you qualify for a penalty-free withdrawal
Decide whether you want a withdrawal, loan, or hardship distribution
Contact your 401(k) plan administrator or log in to your account
Request the distribution form or start the online withdrawal process
Choose the amount and reason for the withdrawal
Provide any required documents or proof
Select how you want the money paid out
Review tax withholding options
Submit the request
Wait for processing and payment
Keep records for tax filing and future reference