[AppyPappy]

Keep in mind that you pull any funds in 401k/403b/IRA at your income tax rate. Basically, you may lose 20% taking it out. All our money now goes to savings or a Roth.

All I need is a low stress PT job after I retire to postpone Social Security for as long as possible. My pension and SS will be about the same.

[SamAdams76]

Correct, as that money went into the 401k pre-tax. So it gets taxed when you pull it out later (though ideally at a much lower tax rate than when you were working).

My wife did some Roth conversions on hers so we will have some tax free to pull from. Meantime, I'm focusing on building up my savings - would like to have about a year of living expenses saved in cash that can be used for unexpected expenses like home repairs and such.