Question regarding 401k

[A HERETIC I AM]

8. Good suggestions above, here's my two seas.....

(Two Seas....2 C's...2 cents worth). Sorry to be such an ass!

If there is ANY WAY AT ALL for him to avoid cashing in his 401(k), he should avoid it at all costs. Trust me, as a guy who can speak from experience, DO NOT CASH IN A 401(k) UNLESS YOU ABSOLUTELY HAVE TO!!!

Even if it means borrowing a couple grand from mom and dad or another relative just to tide you over, don't fucking do it.

When you say "Could really use the money" I want to know....;

1) Really? I mean..is your car about to be repossessed?
2) Are you about to become homeless?
3) Do you have nowhere else to go?
4) Is there is any way at all to keep your head above water?

I've been in all of the above situations, and surrendered 401(k)'s as a result.

As it turned out, I could have worked my way through ALL of them and kept the accounts. Had I done so, I would actually have been able to retire in about ten years.

Because I didn't, I have to work till I drop dead.


DO. NOT. SURRENDER. A. 401(K). UNLESS. IT. MEANS. YOU. WILL. BE. DESTITUTE. IF. YOU. DON'T.

Sorry to be so dramatic. It's late!