<prompt> Human: I quit my job and starting a new career. I have a retirement plan with roughly 23k, thats after 4.9 years of employment.Im fairly young at 28yoa. What I would like to do is cash it out and help with my relocating cost and maybe buy a new toy. But thats why im here, to see what smarter people than I have to say.Thanks for any help. Id appreciate it.  <response>: Id stopfuckingaround and roll it over into a IRA, otherwise you will pay penalties. 