You’ve got it wrong. I say waive ALL taxes for withdrawals up to $100k. One time. I’m not taking any out until age 71 so Uncle Sam won’t see or miss it.
That is the ticket, yes.
Waive the income tax and the 10% penalty. I’d take it all out yesterday if they did that.
Demonrats within a very few years are going to be trying to steal every penny people have in their retirement accounts.