At my current job I’m getting a 4% match on my 401(k). I know a Roth IRA is a better account in order to pay less taxes in the long run. In theory is there any problem with me withdrawing my 401(k) funds + my employers match once a year and putting them into my Roth. Of course I know there is 10% penalty + paying tax but isn’t it still better instead of having to pay a large amount of tax on the growth in 30 years when I retire? Also, I currently cannot afford to contribute to both my 401(k) and a Roth IRA as I’m sure many people will suggest.