<prompt> Human: Im 24. I know I shouldnt be cashing out early but hear me out. My employer matches up to 9k per year and Im planning to leave my job in a few months and cash it out early to manage the money myself. Once Ive left my employer, can I keep the matched amount from my employer? Are there any rules around this?Seems like an no brainer to double your money, cash out early even with a penalty and do what you want with it. Am I missing something?  <response>: Depends on the vesting schedule.Why withdraw and pay the taxes and penalty when you can rollover into an IRA instead? 