<prompt> Human: - A lot of the advice on PF is very simple to understand and once you start adopting a few methodologies its easy to understand the logic, and start getting your mindset to make decisions based on those methodologies. - My employer matches 100 up to something like 4 of my salary. At say 70,000 thats 2800year or 200 a month. - At this point of my life its very hard to plan for retirement 40 years down the road when this money could be used now to build something to benefit now and later. - What are the downsides of having the employer match my contribution, and then withdraw at the end of the year? - I would have to pay taxes which I would have to do anyways and then a 10 penalty. Even after the penalty I get to take money I would otherwise not have Please let me know if I am not understanding this correctly Cheers  <response>: Please let me know if I am not understanding this correctlyYoure not understanding this correctly.At this point of my life its very hard to plan for retirement 40 years down the road when this money could be used now to build something to benefit now and later.So how is your solution dont do it at all? 