text:  uh before before there would be a penalty in addition the account has to be established for at least five years so there's a couple things that you have to look at when you do it through your employer plan it's the same thing it is after tax money and you can access it but here's my disclaimer when it comes to employer plans sometimes there's inside limits that the plan administrator sets up so i would say theoretically yes you can touch it but there may be a limit to how much that you can touch