Or people are taking the money/penalty before Zer0 and the Gets come after the money.
“Or people are taking the money/penalty before Zer0 and the Gets come after the money.”
I did - cashed out a pretty healthy IRA and used it all to pay off my house. Yes, I’ll pay some taxes on it, but when you do the math, it’s not much more than I would have paid when I retired anyway...so great deal for me, no more mortgage payments.