<prompt> Human: I make 55k a year and my company matches 4 at 100. They are 100 vested at 100 immediately.I understand one should never cash out their 401k. I really do. But am looking for some verification if I wanted to use my 401k as merely a savings vehicle that I could cash out in 10, 5, or even 1 year from now and still be ahead.My math is telling me if I contribute 2,000 a year, and my company matches 2,000, that brings it to 4,000. Even assuming no growth, if I cash out after 1 year I will be hit with roughly 25 for federal, 7 for state, and 10 which still puts me well ahead of my initial 2,000 contribution that I would also normally pay taxes on if I didnt contribute. I guess what I am asking is, is this correct? It seems win-win; if I can wait until 59.5 that is cool, but Im still ahead even if I withdraw early.  <response>: Win-win, except your retirement loses. 