<prompt> Human: My wife signed up for the 401k match at her 30-hr week, low wage job. Always a good idea? After almost two years, she leaves and a check comes to the house. The company cashes out low balance 401k and subtracts 50 fees for this service. On our taxes, another 10 gets subtracted. In the end, we lost money because the 401K match takes a few years to vest and she didnt reach the second year milestone.401Ks are not for everyone! If there isnt automatic matching and significant income, and significant time at the job, do not do it! PF contributors are doing people a disfavor in always recommending 401Ks.  <response>: Just roll it over brah Nothing in the FAQ recommends allowing your 401k to be withdrawn early, under ordinary circumstances. 