Relevant info is much appreciated.
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You should be able to take out a loan on it while still employed. Once you leave I think you have 90 days to pay back the loan before they tax you on it. It could buy some time. I put one of my 401k's in a physical gold and silver IRA. It's in a vault so I guess it could be taken from me but I figured it was better than just letting it disappear on the stock market. Or pay outrageous taxes. I used Noble gold. Noble gold has a vault in Texas.