That's awesome! I'm planning to hit $100k this year and I'm pumped about it.
There are ways to access your 'locked up' money. If you don't know about them already, they include some of the following strategies for example:
1.Your Contributions to taxable/Post-tax retirement accounts (like a Roth IRA) are generally withdrawable without penalty and without tax (this excludes any growth). "For Roth IRAs, you can always remove post-tax contributions (also known as "basis") from your Roth IRA without penalty. "
2. Contributions to a Roth 401k are generally withdrawable without penalty and without tax.
"If a withdrawal is made from a Roth 401(k) account that does not meet the above criteria, it is considered "unqualified" and incurs income taxes. However, taxes are only assessed on the earnings portion of the withdrawal. Since Roth contributions are made with after-tax dollars, you do not need to pay taxes on that portion again."
3. Additionally, there is all the stuff about building a Roth Ladder with your accounts, letting them 'season' for five years etc. Research Roth Ladder if you haven't already. Seems to take a little planning but very doable.
Best