<prompt> Human: I had a full time job, got a 401k and got up 2 thousand dollars. I havent contributed in 4 years because I went back to college full time on a student worker base pay job and just finished school so I couldnt contribute but I saved up money. Im leaving for peace corps soon but what can I do with that money? I cant touch it and its useless just sitting there. Can I pass it on two my sister into her 401k? I can open an IRA but according to bankers, I have to wait for January which I dont mind. If I could I would just rather use that money without getting a damn penalty or without facing the repercussions of using the money. I would really appreciate all the help or any advise.  <response>: If its useless, why would you want to pass it on to your sister? Why cant you touch it? Why is it useless sitting there- is it not invested in a fund? 