<prompt> Human: So Im currently making 55,000 a year and I am putting 15 of my income into my 401K with a company match of 4 bringing the total to 19 going into my 401K. I currently have around 7000 in there and was wondering if I should take the penalty and withdraw to start a Roth IRA that can potentially bring in more money for my retirement, should I just save the money and start a Roth IRA while still keeping my 401K or should I cancel my 401K all together and focus strictly on a Roth IRA? What are my best options to take to be well off in my retirement where I dont need to worry about money? I should also add that I am 31 years old and would like to retire by 55 but realistically wouldnt want to work no longer than 62. All suggestions are welcomed even if it doesnt involve a 401K or a Roth IRA.  <response>: One of my favorite articles about retiring early: Enjoy and Good Luck :. 