Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - What is the best way to get out of a business? - I've had a flower shop for almost 4 years. I have never been able to pay myself, I've had to let my employees go, and am running it completely myself, which is wearing me down. Most months, I have to take $600-$900 out of our personal account to cover expenses. It has caused mental, emotional, and marital stress, and I'm tired of juggling money. Would it be wise to use 401 K to get out now even if we were penalized? bankruptcy? I'm at a loss and just want(need) out. We've had it on the market for months to no avail.