<prompt> Human: Hey PF! So I am a 25 year old working in finance. I just got a new job that I will be starting in a week. Im very excited but, I had a quick question about my 401K through my current company that I am leaving.I have been working there for 2 years and have around 3000 in my 401k there. I am not vested with my company because I will not be there for more than 4 years or so. I can try and get more info about my 401K, but I believe it is just a basic 401K that is able to be rolled over.I have a credit card and some other debts that I could use that money to pay off and get myself out of some credit card payments a month which would be great. It would also help me pay a good chunk of my student loans as well.My question is should I roll my 401K over? Im 25 so I will most likely be working for the next 40 years. Am I screwed if I take a payout now and just start fresh at my new job? Thanks!EDIT: Should clarify, when I said I work in finance, I work with a loan company. I work with personal loans and auto loans. Some small mortgages too. I am not in investing whatsoever. Should have been more specific.  <response>: Id avoid cashing it out unless absolutely 100 necessary. 