<prompt> Human: Am I thinking of this correctly?I contribute 5 of my salary pre-tax and my employer matches. Even if I were to withdraw my investment in the short term, the 10 penalty and 30 federal and state income tax would still only be 40 of the total amount and the net amount would still be greater that not contributing anything to the 401k to begin with?I know this isnt a sound long term investment strategy or good personal finance but I just want to ensure I understand the penalties, tax implications, and rules correctly. Is my thinking correct here?  <response>: The employer match may take a while to fully vest, which would be a consideration. 