My 401K was completely emptied during covid cause I couldn't survive otherwise especially on $600 a month in unemployment. And I just now have started back into it as of last month after getting a new contract.

So I could make myself extra poor now and lose any liquidity so I can maybe eventually save up to take a loan I will certainly be fucked by on top of my mortgage I still can't afford per month?

Look its an honest idea and thank you but hell no.