WalletPop experts answer questions about 401(k)s to back taxes

About 10 million Americans file their taxes late, incurring penalties, not to mention a whole lot of stress. Don't be one of them this year. Take this month to get started. Our experts are on hand to help. Here's what they had to say about your questions, from cashing in on a 401(k) too early to not filing tax returns for three years.

Question:

My husband and I both have retired. I used my 401(k) to pay my house loan off. My 401(k) was disappearing before my eyes; I got scared. I now owe the IRS more than I can pay back. Have others done this, and if so, how do you pay back when you don't have the money?
--Lee Coit, 55, Denver