Retirement Advice
OK, grab a notepad because you’re going to want to take notes: a 401K is a retirement account. Except under very specific circumstances, that money is only meant to be pulled out at retirement, and if you try to get it out early, you are going to be slapped in the face with penalties and fees. Also, depending on how your job set it up, you might not be allowed to keep the money that they put in if you haven’t worked there long enough.
More to the point, why are you pulling that money out early? It’s for your retirement. Save it for your retirement. You’re going to need it. I mean, which do you want more: to take that cruise with your friends in your 30s, or to not have to work as a Walmart greeter when you’re 75?