<prompt> Human: Hello. I recently switched jobs and have amassed a decent 401k balance. My mortgage balance is roughly 90 of my 401k account balance. What Im wondering is whether it would make sense to take the lump sum payment and pay off the mortgage.It seems as though it could be a better move to save on the interest payments on the mortgage by wiping it out and taking the would-be mortgage payments and reinventing those instead.What kind of tax hit should I expect on the 401k? Also, do I incur any fees or penalties by taking the lump sum amount? What other factors should I be considering?Thanks in advance.  <response>: No, roll it over to an IRA. Youll pay a 10 penalty plus taxes if you withdraw it. 