Oddbean new post about login | logout you should see some of these contracts man they try their best to keep people's money. sometimes you have to quit a job in order to get it out but then you also are paying tax penalties lol seems worth it to me personally but that's how it is for many.
That's ultimately what I did. Quit, rolled the 401K into a traditional Roth and then bought BTC through unchained without the tax penalty, but I do realize not everyone has that flexibility.