Missed the point of the post and regurgitated the same thing 007 said.
If you want to tap into your 401K and take advantage of penalty free options, have at it. I stated my opinion on it. My philosophy worked for me. It might not be the case for every situation out there. During my career while I was building my retirement fund, I encountered situations where it was tempting to access my savings, one occasion was after a divorce. Starting over was a financial struggle and it would have been easy to dip into my retirement but I chose to struggle through it and discovered most "emergencies" are temporary and can be solved in other ways. Fast forward to 2016 and because I didn't draw from my account and it was allowed to grow exponentially, I could comfortably retire at 53. But again, I am no expert, I just know what worked for me and what the majority of financial advisers will say. If you disagree, no heartburn here.