Is the 3 months of salary socked away somewhere it is accessible? I have hundreds of thousands of dollars in 401k, but I live paycheck to paycheck and have no readily accessible savings.
Why? To avoid the situation you’re in - no easy access to savings.
You borrow from the 401K. If for some reason that's not an option, you take money out with a penalty, but with sufficient match you are still often ahead.
If you have steady employment, might I suggest opening a line of credit with your bank? If you have good credit the rate is reasonable. It costs you nothing unless you use it. And if you have to liquidate your 401k, you can pay it back in days.