It also helps to dedicate a complete sentence (or multiple sentences if the action you’re apologizing for wasn’t just a minor mistake) to your apology. When apologizing in-person, you can also pause for a bit, giving your conversational partner the opportunity to respond if they want to.
When you immediately switch into the next topic, as in your example apology above, it looks like you’re trying to distract from the fact that you were wrong, and also makes it less likely your conversational partner internalizes that you apologized.
Also, please correct me if I am wrong, but I believe you can withdraw from a retirement account at any time as long as you are ok paying a 10% penalty on the withdrawal amount. If your employer is giving a ~>10% match, this means you’ll make money even if you withdraw from the account right away.