10k sitting in a pension, withdraw for 30% fee and have an emergency fund, or transfer to a retirement plan to avoid the fee?

10k sitting in a pension, withdraw for 30% fee and have an emergency fund, or transfer to a retirement plan to avoid the fee? Basically the title, 30 F. I was in a job with a pension and left before it vested. I now make 80k, unmarried/no children, above average health expenses, dog, and then just your average needs. My rent is about to go up because my partner who I've lived with for years, who I thought I would be engaged to soon, wants to separate. I have no emerge...

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