You should be able to take it out at any time you want but you'll have to pay a 10% early withdrawal penalty fee

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NOPE. That's what I'd always been told and exactly what I was hoping to do, apparently my plan/employer forbids that.

Damn, that sucks. I just checked mine, which is hosted by Fidelity, and I can withdraw 100%. I'm not sure how that's legal for them to do that to you. I'd be angry as well.

https://void.cat/d/3hQHJCm3zvoXhzvHoFTrqR.webp

I'm gonna make some waves, this is unacceptable 🌊