My husband has a 401K plan but it seems to be losing money (over the last yr. and more). All the while, we are piling up interest on a Home Equity Loan. I just wanted your expert (or not so expert) opinions about this. Has anyone cashed out their retirement plans early to pay off debt? He is just under 30 yrs. old so we are thinking that he'd have plenty of time to add more to the fund before we really need it. Advice please!!