Originally Posted by Carl LaFong

You can do an "in-service withdrawal" from your 401k and be exempt from taxes and penalties but only if you roll your funds over to another qualified plan. That includes the portion of the company contribution in which you are vested. As far as the unvested portion goes, I imagine that the same thing happens to it in the event of a liquidation that happens if you find another job; which is to say it goes back to the company. You can call Schwab and ask if there are any restrictions on doing so. But having said all of that, I think your money is safe where it is.