I have an extra retirement account and am financially healthy, should I cash out to enjoy life?

I make around 300k USD a year and I have two retirement accounts from two different companies I've worked in, one at 35k (from a previous job) and one at 60k (current job). I have an additional 100k total in stocks and savings. I am 25 years old and plan to retire at the standard age of 59 1/2.

Is it a bad idea to cash out of my 35k retirement account right now to enjoy life a little? I am willing to take on the 10% penalty and I've calculated that with my deductions I will not change tax brackets with this increase.

Since I am already pretty well ahead in the game financially (I started working as a software engineer when I was 18), and I want to spend money on enjoying life a little while I'm youthful, is this a good idea? I've been working too hard this past year and want to spend the money on quality travel, hobbies, and food. I feel like my future self would want me to do this.

Would appreciate any sage advice!