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Subject:  Re: Cash out refi or early ira withdrawl? Date:  9/19/2020  1:08 PM
Author:  vkg Number:  312942 of 312974

If the choice is a 401K withdrawal, waiting until you need it maybe a better choice for taxes. We are near the end of the year. Distributions now would be taxed higher than during a year where your income would be lower.

If allowed, another thought would be to a partial conversion to a ROTH 401K. The result of an early withdrawal would be that the increase would be taxable. If the job loss doesn't happen then it can remain in a 401K ROTH.
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