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In MS ins't the 401k program voluntary? Why is it like trying to get into fort knox if it is my money? Why can I not borrow from it any time I want and repay it back through my paychecks? Why are they acting like its their money instead of mine? I need that money to help me with some hard times right now and to pay off some of my bills that my regular check isn't taking care of and yet they are acting like I am trying to steal that money!