 You are at a point where you can make some changes to the structure of your 401k. There is a special scenario within qualified plans called a non-hardship in-service distribution. You can move it out of your 401k and move it into your own private individual retirement account. That's a rollover. It doesn't affect your 401k. You still get to put money in your 401k as long as you work. You still get your company matches. None of that changes.