I'm 62 and plan on working for four more years.
Have two 401Ks - one with present company (they put in a ton in lieu of a pension), and the other from a different corporation - that's the one I'm thinking of cashing out.
I'll run it by my accountant - he's not woke, he gets it.
Glad to help. Again, I am not pulling the cash out, just letting it sit in the “cash” money market fund within the retirement account so there’s no tax hit.
Now, if they start saying they’re coming for our 401(k)s, take the $, pay the penalty, and move to Poland.