Credit where credit is due, the predictions for recession in 2023 were wrong (or pre-mature, which is the same thing).

At the same time, I do agree with @V.G Jason on his perspective regarding premature W2 quitting.

Any premature penalty is what you ask.

You can buy 600 filters for the same cost as one (premature) furnace replacement.We also use the inspection to do some tenant training based on what we find on how to maintain the house, the lawn, down spout extensions etc We might also order a tree trimming, weed&feed or re-seal the driveway.

Once you decide on a house I have a lot more advice, but it is premature until you have the house picked out. 

If you have not done any or all of these things, your search for debt and equity capital is premature. 

They can only call the loans due prematurity if I default. 

Yellen’s soft landing call seems highly pre-mature, IMO.Counter Counter point: unlike the last recession in ‘08-’09 (not counting the 2 seconds during 2020 government imposed lockdowns) we now have the Qualified Mortgage law.

Don't forget items like saran wrap, tin foil and baggies. 

Yes you could pull those funds out of the 401k now to invest in your own name, but you will have to pay taxes and penalties on the amount you distribute prematurely which would not be wise thing to do.