Re: 401k contributions: pre/post tax and roth.
You will want to verify this with another source (like irs.gov)...
There are penalties for withdrawing <u>earnings</u> but not the <u>contributions</u>. So, if you contribute $100k over the next 20 years and it grows into $500k, you could take out $100k tax-free before reaching 59 1/2.
There is also provisions for withdrawals for the purpose of buying a first home, higher education costs, etc. that you can research.
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