I have a Vanguard account all in the money market 401k. They say that you can pull $10,000 first time buyer free from tax or penalty. But when I called Vanguard they said “you can’t put ur 401k money into an IRA because you still work there”. Is there anyways to do this? I would love to put down my cd’s and that extra 10k. That will get my principle down a ton.