I am 47. I want to retire at 55. Almost all of my savings are in IRA's, an SEP, and a company pension/profit-sharing plan which I can roll over into an IRA when I quit. When I start withdrawing money from these tax deferred accounts, does the 10% penalty have to come out of these accounts or can it be paid with other savings, leaving more in the tax deferred accounts for future growth?
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