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I'll second Donna's suggestions, but note if you have no other income, you will pay no income taxes on the first money withdrawn from your IRA or 401K. You will pay only the 10% penalty.

For limited amounts this can be attractive, but you will want to watch the amounts involved. If they become large enough, the income taxes can be forbidding: 25% fed, plus 10% penalty, plus state and local income taxes can take close to 50% of your money (if you exceed their minimums).
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