<prompt> Human: I have 11.6k in a roth - 10k from my own contributions from past 2 yrs 2009 2010, and 1.6k from converting an old 401k. With market conditions its basically been unchanged for the entire time.Im considering cashing it out because1 I exceed the salary limit for further contributions.2 I already max out my 401k for the past 2 years, it feels like overkill to save over 20k a year for retirement when Im only 283 I have plenty of savings to cover 6 months of livingDoes this still sound like a bad idea - I feel like the flexibility of moving these funds to my brokerage account instead would give me a lot more leverage if I need it. I still dont intend to require these funds at any point unless a crazy life circumstance approaches.  <response>: it feels like overkill to save over 20k a year for retirement when Im only 28Can you retire now? Then its not overkill. 