I'm going to go against the grain here and suggest that if you can invest your 401k wisely, you might as well cash it out. The reason for this is that you're n

I'm going to go against the grain here and suggest that if you can invest your 401k wisely, you might as well cash it out. The reason for this is that you're not going to get that pension anyway, because the Western world's economies are barely holding together even as we speak. No one knows what will happen, but some of us know that something bad is going to happen. It's fundamentally quite simple. Dozens of trillions of unpaid liabilities are just not going to get paid, and most Western governments are getting even more indebted each year. Using money you don't actually have will have consequences even for governments. Whether your current plan is a wise investment for that 401k is another matter. I'd consider other plans too.