Sometimes I just want to give up!

I feel your pain , have had my share of set backs. Time and money ..... they never seem to match up. Taking from your 401 sounds like a good fix but your taking from yourself and you will never get it back. Don't mess with your retirement. your car is now ,your retirement is later and the way things are going we're giong to need all we can get. How about this instead. Take out a personal loan. Not too big something you can pay off quickly but gives you enough to get some stuff done. Once its paid off do it again. I have had freinds that have done this and it worked for them, avoid pilling stuff on credit cards. Just a suggestion. Good luck.