Image shows a woman withdrawing money from a safety deposit box. Text reads: "When can . make a penalty-free, taxable withdrawal from my 401(k) before retirement age? You pass away and the account balance is withdrawn for your beneficiary You become disabled You withdraw an amount that is less than is allowable as a medical expense deduction You begin "substantially equal periodic" withdrawals Your withdrawal is a result of a Qualified Domestic Relations Order (QDRO) You are at least 55 years old and have terminated employment "