It all depends on the individual. Let’s say the following changes hypothetically occurred in the future: the penalty for early withdrawal increases from current 10%, or you are not allowed to do an early withdrawal anymore, or income tax rates increase, or you are forced to have a percentage of your invested retirement funds be invested in bonds, or ….. The point is the future is uncertain. You just have to decide what you think is the best for you, make the choice, and then don’t look back