Contact your 401(k) plan administrator or HR department
Log in to your 401(k) account online
Review your plan’s withdrawal, loan, and hardship rules
Choose the type of distribution you want
Submit the required withdrawal or distribution request form
Provide identification and any supporting documents
Select how you want the money paid out
Confirm tax withholding options
Review any penalties, fees, or restrictions
Wait for the plan to process the request
Consider rolling over the funds if you are changing jobs
Consult a tax professional before withdrawing money