One very important issue commonly overlooked by couples until it's too late, is that of outstanding debt and what becomes of it.
Even if you do it for a responsible reason, borrowing from your 401k can still damage you financially for the rest of your life.
"Discretion will protect you, and understanding will guard you” (Prov. 2:11). What about protection from identity theft?
One of the first things you should realize is that climbing your way out of a debt hole is not always a piece of cake.