Check your 401(k) plan rules and withdrawal options
Contact your plan administrator or HR department
Decide whether you qualify for a hardship withdrawal, in-service withdrawal, loan, or regular distribution
Complete the required distribution or loan request forms
Provide any requested documentation
Choose how you want the money paid out
Review taxes and penalties before taking the money
Confirm whether federal and state taxes will be withheld
Submit the request and wait for processing
Keep records of the transaction for tax filing purposes