not saying you wont be able to use it but my dad put alot of money into retirement and he never got to use it. he died well before he could of. i bet the money would of been better off used while he was alive. but i guess everyones different and if it helps you sleep go for it.
i am the type of guy that lives for the moment. i understand tomorow will come but its no guarantee and for some tomorow will never come. i would rather have my fun and live now instead of waiting until retirement to really live. i am not ment to work or labor for just enough to get by. i am ment to live. you see if you get stuck your stuck and itll be hard to un stick yourself.
also look into the fees with withdrawing from a 401k.