<prompt> Human: I am 32, have been with my company for 5 years, and have about 18k in a 401k. It is 100 vested. I am moving across the country and will be self employed going forward. I could use the money if I did an early withdrawal I know it will be taxed heavily. Should I do that? Should I role it into a Roth IRA? Any advice would be appreciated! I have googled the question but would love to hear what some of you have to say.  <response>: This is answered directly in the FAQ If you have any more specific questions after reading, feel free to ask! You should probably definitely not do an early withdrawal. 