<prompt> Human: Im tempted to take out the profits just so that I dont lose them if the stock market goes belly up in the foreseeable future. I would like to reset the amount I have to what it was when I first felt comfortable with. Should I pay the penalty and put the extra money towards the mortgage? I dont have a financial adviser and Im looking at a 100K growth. Im looking at it as money I shouldnt have and it might go away at any moment depending on the market. Any thoughts or advice would be greatly appreciated.Assistant: Wow, just the responses in the past five minutes have made a lot of sense. My parents told me to just re-allocate, but I just thought that dumping the extra money into the house might be a better idea. It just made me nervous to see this increase in money.Thank you all for the links, Im going to sit down and do my homework. Ill be able to sleep better tonight.  <response>: A 401k is savings for retirement. Its supposed to get very big. If youre not comfortable with the risk, re-balance your portfolio towards lower-risk mutual funds or bonds.If you withdraw from the account early, you going to pay all kind of penalties, which is a big waste of your money. 