ok recent few months, i have done pretty good using fund in my 401k account. Now if I continue with the stellar performance, i am considering this: i have an outstanding loan amount of about 30K$. Total remaining is about 70K$ which I made last few months add'l 20K-30K$ i believe. Lets say next few years, I managed to make another 40-50K$ totalling gain of about 60K-90K$, bringing net gain of ~100%. So instead of grueling monthly payment of 30K$, I am considering to do a early withdrawal about close to 30k$ (i am aware of 10% of penalty + income tax) and then use it to pay it off. I can live with this steep penalty as long as if I have made a steep gain through investing mentioned herein above.