Laid off - should I go ahead with TT/Brach?

Hi there.  I have been going around and around about this for months and want to get some advice from people who have had PS.  I was laid off in August, my PS is Dec 17.  I just can't bring myself to cancel it.  My mom gave me $10k for the procedure (early inheritance), we have plenty to credit available and I have a $21k 401k from my last job.  I don't want to use all the $10k because I want some cushion if I am out of work for a long time.  I am seriously considering cashing out the 401k to do it.  This would be the  year to do it since we are due for a very large refund and even if I cashed the whole thing in I would still be getting a refund.

My mom's opinion is very important to me.  She said that I am an adult and need to decide for myself, but to think about postponing until I have had a job for a while.  Cashing in a 401k is never a good idea, but I want this surgery so bad.  My DH is a SAHD but works a PT job and has picked up a lot more hours to help.  I anticipate getting a job within 6 months because I have been getting interviews.  If I do it now, I can easily tell an employer that I had some surgery planned and will need 2 weeks unpaid leave.  People do that all the time with vacation plans that were already in place before they took a job.

My DH told me to go for it.  I just know in the back of my mind that this is not the best idea but I am tempted to just do it.  You only live once, right?  I do have individual health insurance so that isn't an issue.  Is it true that complications are covered by insurance?  That would be an issue if they aren't.

Sorry for the long post, but I could use some advice!
Amelia

It's doable. Just rememember the potential consequenses of taking out your 401k before you're 59 1/2. You can look into the fact that you can take it out w/o penalty when you are paying for medical bills. You can possibly deduct the prodecures from your taxes but there is a certain requirement of how much over your qualified income or something. Also it can't be for plastic surgery so there is some debate over weather you can claim it. If your insurance is paying for any part of it you may have a case b/c it would be considered medically necessary and reconstructive surgery not plastic surgery. W/ that said I would probably do  it and not postpone if you are sure it's not going to put your family in any financial hardship.

I think I would go for it. I think that it would be best to have the recovery time on your side. Yes, there may be consequences financially, but I think it would be a risk I would be willing to take. I think that if you did cancel it, you may not have the opportunity to do it again. I know it will be tough, but I think in the end the time is right and it will all work out for the best.