How does one go about doing that?

At one time I was told that you could not withdraw the after tax contributions separately, or that you would have to pay tax on the gains. I might be wrong, but please provide more info.

Also, have any over 50 guys investigated the Roth 401K option? Does it make any sense for us old guys?

I am trying to educate myself, but I don't trust financial advisors to give me the straight skinny, they seem to all want to get their hands on my money, and I don't trust them with it.

I like Vanguard due to the low fees.