"MIL, I am comfortable handling my finances from here out, thanks for all of your help!" If you must reiterate, leave the velvet gloves on but be firm.
As for liquidating the 401(k), I first wonder how it is in both of your names? Or do you each have one? Obviously, the tax implications are set up to be prohibitive in terms of liquidating the 401(k). Don't hurt yourself long term, protect yourself! Act in your best interests here. I thought your MIL was a financial savant of sorts, why is her daughter considering cashing in a 401(k)? It makes me wonder if your MIL has taken you as far as she can in terms of financial knowledge.
H 34 W 29 BD 3/12/18 Divorce Busted Spring 19
It is not things that bother us, but the stories we tell ourselves about things.
