<prompt> Human: I understand that there are fees with early withdrawals and that you cant put more than 5000 in a year into a 401k account but would that all be offset by the potential thousands you would lose in a market crash?Assistant: Dont try to time the market. The risk of taking out too early is you miss the growth before the crash.Just dont sell during the downturn, and you wont lose anything.Human: Yeah, I kinda figured that going into apocalyptic bunker mode too early would hurt more but if I were to hypothetically guess right, would I benefit more from getting the cash and reinvesting after the crash or just riding the wave and waiting it out?  <response>: You wont guess right. 