Thanks for all the replies guys. Lol sorry for the confusion I meant Ontario, California. What does it mean to be vested? Although I am tempted I really don't want to touch my 401k, I just don't think that would be a sound financial decision on my part. I did call the Northwest Administration in which my UPS pension is done by and the woman on the phone said that the only way I can collect it would be if I was terminated.