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Depending on where you live and your income tax rate, the 10% withdrawal penalty plus fed, state and local taxes can end up taking 50% of the money you withdraw from a protected account.

If you have money invested in stocks, selling those can be most attractive assuming your gains are long term and taxed a capital gains rates.

How are you fixed for retirement? Don't let those withdrawals get to be a habit. Why not sell some stocks and buy instead some income stocks, stocks with dividends, etc for added income.

Can you borrow from your 403b to repay your debt? Then no penalty. No tax liability.
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