<prompt> Human: My company gives 1 for 1 match up to 637; of my pay. I would love to take full advantage of this free money but I also need to save a bit more. Assuming there is no vesting period Im betting there is but just havent checked even with the 2037;? penalty, doesnt it make sense to do the match and then withdraw instead of not maxing the match? Am I missing something?I know its not ideal, Im just looking for verification of the math for the short term. EDIT:Looks like I get instant vesting:Policy:You are always 10037; vested in all of your contributions and contributions made to your account by the Company other than your Company Fixed Contribution Account...Besides the company auto contributions: not matchYour Company Fixed Contribution Account and Company Transition Contribution Account become 10037; vested after three years of service.  <response>: No! You dont touch your retirement. And of course there is vesting, usually 5 years. 