Man, if the thought of withdraws are getting to you, just wait until you actually make one and they take another 25% for state and federal taxes!!
I realized, of course, that the money in my 401K, 457 and IRA was tax deferred, that I would have to pay taxes on those funds when I withdrew them, but that was academic. It wasn't until I made a $20,000 withdraw and my account dropped by $25,000 that I realized what my account was REALLY worth. I always thought of my $Millions$ as mine. It's not. A big chunk of it is the governments and they'll take their share out when I take my share out. OUCH!!
It feels like a built-in inflation; I want to buy a candy bar for a dollar but I have to withdraw a buck twenty-five to buy it. Oh, and that buck twenty-five? They take MORE taxes out of that at the cash register!! DOUBLE OUCH! 8% more. Now a buck twenty five buys me 92 cents worth of goods. I'd be happy to withdraw 92 cents to buy a candy bar, but I have to withdraw a buck twenty-five to buy the candy bar. Federal income tax, State income tax and State sales tax. OUCH, OUCH, OUCH!!