The IRS has granted an exemption to those affected by the recent hurricane and flooding. They are allowed to take penalty free Hardship Withdrawals from their 401k / 403b / IRA/ etc. regardless of age. The cumbersome procedure for this is being relaxed as well. The rules and procedures for Loans are being loosened too. Here is the IRS announcement: https://www.irs.gov/newsroom/retire...-distributions-to-victims-of-hurricane-harvey If you know anyone affected by the storm please let them know about this.