• Pawning your stuff: You’d sell your items for less than half of what you could get for them on eBay or another auction site.
• Emptying out your 401(k): As if jeopardizing your retirement savings weren’t enough of a disincentive, you’d likely pay stiff penalties too: 10 percent plus state and U.S. taxes on contributions and earnings, depending on your age.
• Getting a credit card cash advance: You’d get whacked with 2 percent to 5 percent fees, and interest rates of nearly 20 percent might begin to accrue immediately.
• Signing up for a payday loan: Beware websites that promise a quick short-term cash advance. Most will burn you with interest rates upwards of 300 percent.