Thanks all for the advice. The reason I want to cash out the 401k is to avoid paying higher taxes on it after I start drawing Social Security. The lower tax bracket would save me 10% in taxes. Then there is also the matter of estate planning on which, after my demise, it will be a lot easier for my heir to access his inheritance if it is in a cash acccount rather than tied up in a 401k or IRA.Rolling the funds into a Roth may be an option, but I believe that I would then have to wait 5 years to withdraw any money from it. I am also not sure how inheritance law handles a Roth.To be honest, I never thought I would have this problem. Thanks again Motley Foolhuntandfish
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