I'm sorry all this is happening seemingly at once my man. I'm not here to solve your problems, but I can say that if your kids are getting their licenses, they need to get jobs, especially if they want to afford things like car insurance or even their cell phones. You shouldn't have to take huge penalties by withdrawing or getting a loan from your 401k just to get used car(s) for them. That is ridiculous and you should not be expected to poop out a car for them just because they have their license. It is not a parental requirement in my eyes.