[BrokeAssMillionaire]

Happy holiday 

Correct, there is penalty to take out early. That's why I am still broke 

At least another 4 years to take out so I plan to keep as high risk plans if the market is going well. Then move all out to IRA to get a way from $550 statement fee/year but this is a disadvantage of gaining. When I started in 99 where the DOW was 10k pts so i got in dirty cheap funds up to 2010. So I would lost all the benefit of cheap stocks and have to start over with IRA which I may not. Probably, use the money to get 5% CD if it's available. That would be the safe way continue to gain without loss. If I don't care the statement fee, I will stay with the company retirement and may continue big gain (big loss if crash). So far, the average gain is from 10%-22%. i have been in 3 crashes which I didn't worry much since I can't cash out until 60 anyway.

I won't take out that big monthly paycheck, probably 1/5, the tax would slap in my face. My plan is 20 years take out from 60-80 even thought don't know how long I can live    It's ok, the money can go to my beneficiary. 

10 years ago, I was expected the DOW would be 40k pts, it seems coming, that's my goal to move all out of high risk funds. I am kinda gamble with high risk so I really don't recommend you do that since the market has been crazy for the last 3 years unless you don't really need until 60 then high risk would be better gain.

I am starting travel here and there more often, maybe 1 month in each country....lol... However, I am not too crazy to spend big, still conservative except spending a little bit more.