Sheesh. You need reasons to not pull tax-deferred money that will grow at a larger rate than any savings account that will help fund your retirement? Oh wait, there are your reasons.
Here's my thinking. In the next fifteen years before I am eligible to get they are going to raise the taxes on it to the point where I will come out even.
I see a major market crash coming.
I am not employed and see no chance of getting a job in the near future.
It's less than 125K and I need the money now to help raise my two sons.
So, still sheesh?