I have a question hopefully you can help. I worked for United Parcel Service for about 4 years. I no longer work for them anymore. How do you think I can go about getting my money out of there 401k. I know about penalties and risks. But do you think I can be intitled to getting that money that I've vested there?

You certainly do, but the keyword is "vested". You are entitled if you are vested. It'll be a matter of completing a form or three. Contact the 401k Administer to get the form(s).

Hi,
Your other answer is very good.
The UPS Plan Administrator will be able to answer all questions you have.
Also, you might consider asking them if you can "roll over" what you have invested into a new company's account, if you have one. I know you said you already know about the 20% withdrawal for taxes, and probably also know about the 10% penalty for "early withdrawal". That can be a big "hit" on your money, unless of course, you need it right away.
Best of luck.