I have about 20,000 in 1.5 yrs with 3% match and 3% contribution and investment in high risk portfolio and generous annual profit sharing from company. I know we can draw money before retirement with some penalty and tax payment.
In case of extreme hardship, I have safety net back in Nepal and my prospect of living beyond 70 is very minimal, is it worth accumulating money in 401 K.
Just curious.