When can you get your 401k money?

You can typically access your 401(k) money when you reach age 59½ without incurring a penalty, though you will still owe income taxes on the withdrawals. If you leave your job, you may have the option to cash out, roll over to an IRA, or wait until retirement. In certain circumstances, such as financial hardship or disability, you may be able to withdraw funds earlier, but this often comes with penalties and tax implications. Always check your specific plan's rules for details.