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Yes - the second sentence of my post should have read " And you can always roll your 401(k) over to an IRA without taxes or penalties - this is true regardless of age." Thanks for catching that!

Yes! You may take withdrawals without penalty, though assuming this is not a Roth 401(k) you will owe ordinary income taxes on it. And you can always roll your 401(k) over to an IRA with taxes or...