Now What?

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I would absolutely divest from my retirement accounts if there wasn't a penalty for doing so, yes! (Which doesn't mean that's what I think everyone should do; I am absolutely not in the business of giving other people advice about this sort of thing since all of us are dealing with different circumstances and contexts.)

My general thoughts on retirement, or at least the way retirement is sold to us under capitalism is that it's kind of a scam? Janelle Orsi and the folks at The Next Egg articulate this extremely well, I think, so I'll link to some of their work in case it's of interest!

https://docs.google.com/document/d/1JbaqaOfft1gx2z-aRhCHx6_81DwdzVGt6TLp4926TfQ/edit?tab=t.0#heading=h.yjgnqoysot03

https://docs.google.com/document/d/1cPvjn0Z2966wRfjMYATjUafWlS2TZkloAp3oXQ1JXBE/edit?tab=t.0#heading=h.vg7r5t2dxjeu