Did you leave your employer recently?  

Here's an important rule many people are not aware of.  If you left your employer and you left in the year you were at least age 55;  you are allowed to take money from your plan penalty-free.  

Remember you generally trigger a penalty under age 59 1/2...so you'll get a penalty free withdrawal.  Yes- you will pay taxes but, you'll enjoy penalty- free withdrawals from now until 59 1/2.  If you roll fund into your IRA..your IRA will not offer a age 55 rule.  You'll trigger a penalty if you withdraw prior to 59 1/2.  make sure and think about this age 55 rule before you move funds from your old employer.

Leaving your employer after age 55?  Leave money iin this plan and you will have access to these funds without any penalty.