POP, you're fiscally astute, and I have no doubt that you will use "all" resources to your advantage
. That being said imo, most folks should typically refrain from borrowing for a couple of reasons. First, the money you "borrow" is no longer working for you in a tax deferred shelter, while it's borrowed. (A friend once bragged about how he "borrowed" for a truck, and was paying the interest back to himself, but I didn't have the heart to point out what the return would have been had he not "borrowed" it.) Second, and a "biggie", is if you are terminated, etc. the "borrowed" amount will be due immediately or will be viewed by the IRS as a distribution (with taxes due), and that's not a pretty scenario for most to deal with along with everything else.