[twoplace]

Company says I cannot withdrawal 401k until 59 1/2 who do I talk to to get retirement and not quite job

[ebaines]

Some plans may offer in-service withdrawals known as a "section 72(t)" withdrawal - talk to your plan administrator to see whether this is an option for you. It sets up a series of "essentially equal" payouts based on your life expectancy. However, it is a very rare plan indeed that would allow any withdrawal for employees still working at the company that sponsors the plan, so don't be surprised if they say "no."

[ScottGem]

Does your plan have a loan provision? If so, I would use that. If you take an inservice withdrawal (assuming the plan allows it) you would lose a significant amount of your savings due to the 10% penalty and tax liability.