<prompt> Human: Hey. I have a 401k through my company visa And it is my first 401k that I have really looked at or been apart of. They said i was fully vested at start of employment, and they are matching every dollar of mine an additional 2! I call to ask fees to cash out, and they said something about 20 percent for tax, and maybe a 10 percent penalty or something? For my math, thats a 30 percent deduction upon cash out. But if they have been matching me 2 - 1 its still as if i put some money aside, and came out with extra, I mean hey, besides the fact that it is supposed to be for retirement, If i wanted to utilize this retirement plan as a way to boost a savings account quicker for a down payment on a house, it seems to me even with fees comming out I am making out liek a bandit! Thought? Am I crazy here???  <response>: You only make out like a bandit when withdrawing the money early if you compare that return with your original contribution amount. Sure, thats a pretty sweet 401k deal. But really you should be comparing your early withdrawal return to the possible return you would get by leaving that money alone for decades, letting it grow, and not paying a 10 penalty. Then it doesnt look nearly as good. 