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Chapter 18. Cashing In or Out of Your 40... > Retiring at Fifty-Five: No Penalty, ... - Pg. 182

Cashing In or Out of Your 401(k) 182 if you have a large account, because the payments are based upon your life expectancy and if you are in your 40s, they could be quite small. Also, by beginning distributions at a young age you forego the tax-deferred compounding that could have been had you left your money in the account another 20 years. Our Advice Check about your company's vesting rules if you do become disabled. Many plans will allow you to have access to any matching employer contributions even if you haven't fulfilled the time requirement to be fully vested. Warning!