<prompt> Human: Im quitting Targét this week and thinking about just cashing out my 401k. Its going to be 600 before taxes, but Im willing to take that extra 10 charge just to have an extra paycheck by the end of this.I am moving on to working and Starbucks after and see they have a 401k plan as well--so if I can transfer it freely I guess I will.Basically, is there any hidden thing that will hurt me if I just take Targets 401k other than the extra deduction? Im 21 and just want to make sure when I move on to a long-term job i wont be dinged or something!!  <response>: Roll it over to the new 401k or to an IRA. Dont cash it out unless its your last possible source of money to pay your bills. 