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First of all - the money in your 401k account - are your money and you may use them as you wish.
Several issues, however...
Assuming that is your husband's account and he is below 59 1/2 - there will be additional 10% early distribution penalty .
In additional - the distributed amount will be added to your total taxable income and will likely push you into higher tax bracket.
State taxes will be extra.
If you plan a distribution - it is better to avoid large distribution in any single year.
As you are likely in 25% tax bracket - additional tax liability because of distribution would be estimated as
25% (income tax) + 10% (penalty) + 3% (IL tax) = total 38% of distributed amount.
Let me know if you need any help.