I'm Canadian, so no 401k. I also avoid money-management calculations (I pay trustworthy accountants to do that for me). But I am a fan of prudent, intelligent decisions, and you've come up with a really interesting approach here. Taking a secured loan out against your own employer-matched funds in a retirement vehicle seems pretty smart. Very interesting way to get leverage out of funds that would otherwise be fairly stagnant.

Thanks for an interesting read.