A 401k is not a savings account. It's a retirement account. You're not supposed to pull from it between jobs, and there are serious financial penalties for with

A 401k is not a savings account. It's a retirement account. You're not supposed to pull from it between jobs, and there are serious financial penalties for withdrawing before you're past retirement age. A 401k is also supposed to be able to provide you with an income resembling your at-retirement income for at least 10 years, which is obviously impossible if you only have 2.5x your at-retirement salary in it.