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I would not want to either. Just thinking, before I lost everything because I lost my job, but no job available without taking a shot. 401k would be a life line before becoming homeless. I am far from any financial advisor. It probably doesn't show.I am reluctant to pull any cash from my IRAs/401K due to taxes. The Roth is my backup emergency reserve.
It doesn't make sense to me to pay 10%+ taxes on a IRA/401K distribution in order to pay off the mortgage that I am paying 4% interest on. But I may need some $ to build on the land I buy - not sure how willing lenders are to give me a mortgage if I only have SS income - even though it is clearly enough to pay my current mortgage.