Finally, my 401k has enough money in it again so that I could, if I wanted to, pay off my mortgage. That's after 21% tax and the 10% penalty. I'm not exactly sure how much tax would be taken, I'm just estimating. A few months ago, I could pay off the mortgage if I used the 401k and all of my savings. Now I could keep my savings. That is fun to think about. Of course I won't do it.
My 401k still isn't up to it's highest point (where it was in 2007) yet but it has been steadily climbing. I plan to keep it as my second retirement fund. With inflation I'll definitely need more money in 20 years. Plus, if I intend to continue hobbies like this dog rescue hobby I had better have a back up plan. Something tells me these dogs aren't going to support me in my old age.