<prompt> Human: I have a 401k. Id like to have another one where I could withdraw early without being penalized. Basically I have to work 30 years and be 60 years old to retire. Ill have my 30 years by the time Im 52. But wont be able to get my pension or 401k til Im 60. I want another type of 401k that I can cash out in my mid 50s and use it until my retirement kicks in at 60. Does such a thing exist?  <response>: A brokerage account or an IRA? 