<prompt> Human: Hello everyone, I am a 23 year old from the US who needs some advice on my 401K options. A little background: I am currently employed but am due to be laid off early December of this year as my area is being shipped over to Taiwan.I have just over 13K saved up in my 401K that I am thinking about withdrawing. The main reason I am considering the early withdrawal is because I was told that I can do so without penalty in the scenario that my job is being sent overseas. Does anybody know if this is true or a reasonable option? I have done some research but I am not able to find a solid answer to this question. I have thought about rolling my 401K over but since I will not have a job and will most likely be attending school for the next two years, I will not have a steady income to be paying any fees to maintain this account. I also could use the 13K to pay off my car which would eliminate my monthly car payment. I know that taking out my 401K may not be the best idea when considering my future retirement, but at 23 years old I personally am not too concerned about making it back up at my next job. It has been brought to my attention that the previous sentence may sound like I am saying it is okay to pull out your 401K if you are under a certain age. This was not my intent and this was just meant to be my own personal thoughts on the matter. Any advice or insight is greatly appreciated. Thank you.  <response>: Does anybody know if this is true or a reasonable option?It is false. I will not have a steady income to be paying any fees to maintain this account.You can roll it over to a rollover IRA at Schwab or Vanguard. Neither of those will charge you maintenance fees. 