<prompt> Human: I am leaving my current position for a 15k bump. The 403b from my previous low paying job did not accrue much 2000.I am planning to contibute 6 to my new 401k which will be matched 100. So I am thinking it will quickly meet and surpass the rollover amount. Until I have a few paychecks under my belt I am going to be pretty strapped for cash so I am thinking I want to just early withdraw the previous account instead of rolling it over.Does this make sense? Also how does the penalty process work for withdrawing it? The account holder told me it would be 20 upfront and then 10 penalty come tax time.I dont know anything about personal finance please school me.  <response>: No. You take a massive hit. Not just the amount penalized but the missed earnings on that money. Get on a budget and find another way. 