<prompt> Human: Im in my late twenties and working at a well paying job that is slowly killing my soul. I never took time off between college and work to travel and have strongly been considering quitting to take a late skip year half year. Ive got about 66k fully vested in my 401k but marginal savings due to student loans, high cost of living, and generally mediocre budgeting. If I were pull out 16k for travel funds, would I be completely off track to retire at a reasonable age assuming I find a similar paying,80kyr, job upon returning?  <response>: Yes, raiding your retirement fund and paying a penalty to do so is a terrible idea. If you want to travel, make a goal and save for it along with retirement savings. 