This shouldn't matter at all, since there are huge penalties associated with taking money out of your retirement funds before you're 59 and a half years old.
If your job is not secure, you should account for that by increasing your emergency funds (typically a savings or money market account).
There's not always penalties. Look up what's called the Section 72(t) distribution. This is a "retire early" option, where you can start taking a monthly distribution at any age, without penalty (income tax still applies), as long as you maintain that distribution for the longer of five years or until age 59.5.
If your job is not secure, you should account for that by increasing your emergency funds (typically a savings or money market account).