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Couple questions on your IRA. What's your age and is it a Roth or a traditional IRA?

If you are under 59.5 years old and it's a traditional IRA I would recommend against withdrawing money (again, you can't borrow money from an IRA, only withdraw). Not only will you owe income tax on the amount you withdraw, but there will be a 10% penalty for early withdrawal in addition. So if we assume a 30% tax rate, in order to come up with $25,000 to pay taxes from an early IRA withdrawal you would have to withdraw:

$25,000/[1- (30% income tax rate + 10% penalty)] = $41,667
$25,000/(1 - .6) = $41,667 withdrawal

In this case you'd owe $16,667 in taxes for the $25,000 IRA withdrawal, and if you didn't pay estimated taxes on this amount you may very likely end up with the same problem of underpaid taxes next year, but with no IRA to "save" you.

If you are over 59.5 years old, you can at least avoid the 10% penalty but will still have to pay income tax on the withdrawal:

$25,000/(1- 30% income tax rate) = $35,714
$25,000/(1 - .7) = $35,714 withdrawal

Now if you are over 59.5 years old and it's also a Roth IRA, you're in better shape since you can withdraw the money tax and penalty free (in most cases). In that case withdrawing $25,000 would yield you $25,000.

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