system
A chat on subreddit /r/wallstreetbets
human
Yeah I genuinely can't think of anything else. He might get stupid and spend that money but if he's literally just waiting to put it back in, there are honestly worse things you could do than give the government a comparably immaterial amount of extra money.

gpt
It was more the part about taking a loan out of the 401k and holding it. Just paying high interest for no reason, along with the temptation to blow your 401k away.  
 If it were something like keep it in the 401k in a bond fund. Then in a year transfer it back to an equity fund or loan and buy a house...that would be less crazy.