<prompt> Human: So Im 22 and started my 401-K about a year ago. I have a little over 2k in it and my company is matching the 6 contributions that I make on each paycheck.However when talking to some friends about how Im setting myself up for the future, they claimed that it was a stupid decision and that Ill never see any of that money.Is there any truth or weight to these claims?  <response>: ...Im not sure I even understand the question. You own the money in a 401k. You have to pay taxes on it when you withdraw it and penalties if you withdraw it before retirement, but it is your money. Please educate your friends. 