> I thought that way when I was young too...then I learned how funds-matching and compound interest works. I know very well how they work. It still isn't worth

> I thought that way when I was young too...then I learned how funds-matching and compound interest works. I know very well how they work. It still isn't worth the penalties. There are better investments that can get more effectively leveraged sooner, while there are still things to spend it on. All evidence is that the next 30+ years are kinda going to suck, buy personal infrastructure, invest in your health, enjoy access to global travel while they are things you can spend money on. You won't even have the cash to burn to keep you warm if you leave it in a 401k forever.