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Greetings, Billybaruch1, and welcome. You asked:

I'm thinking of spending my 401(k) money when I retire and after I'm age 59 1/2. Will it all be taxed as regular income, or will the earnings be taxed as capital gains?

The are no capital gains in a 401k. Therefore, unless you made after-tax contributions (most folks don't), then anything you take from that plan will be taxed at ordinary income tax rates in effect in the year that you make the withdrawal.

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