Good afternoon everyone, this will be my first post on the Mustache. I did a quick search on the matter, came up blank, so I will lay it out for you guys, and hope for some good advice. Two years ago my father died abruptly. After waiting two years I am now ready to make some finical moves. I am 40 years old, my wife and I work in the public sector, our house is paid for, and we have a six figure saving act. State retirement is looking pretty good so far. When my Dad passed I inherited his 401K plan, the value of the plan is around 400K, and plan is managed by Merrill Lynch. I am not a fan of 401K plans and have moved much of it into cash in the last month. Call me crazy, but I think at this time in my life I’m willing to take the risk and crash it out with the penalties. I would re-invest it. I prefer to stay liquid with my money in today’s age. Any suggestions would be greatly appreciated, thank you.