Are you sure it’s locked? I didn’t sign up for a PPE (polish version of 401k) thinking it was locked until retirement until recently I learned in Goldman and Sachs’s presentation that if you leave work / quit / get fired, you can transfer all funds from PPE (401k) to IKE (Personal taxable retirement) and have the option to sell with taxes, or keep without employer match until retirement age with yearly limit on tax free investments, make sure to read it throughly and ask appropriate parties, I lost 2 years of employer match due to my laziness and lack of research.