[dropcap]Y[/dropcap]our car could break down. You might need a new furnace. You have to pay for one last term of college for your child. Whatever the reason, you may someday need a large sum of money in a hurry. And as you look around for a source of funds, your eyes might come to rest on your 401(k) plan. It’s there, it’s yours – why not tap into it?

Actually, there are some pretty good reasons for not dipping into your 401(k). But before we get to those, let’s see how y...