{"id":1363,"date":"2021-11-11T18:09:16","date_gmt":"2021-11-11T18:09:16","guid":{"rendered":"https:\/\/www.velocitycommunity.org\/wph\/workarea\/?p=1363"},"modified":"2021-11-11T18:11:46","modified_gmt":"2021-11-11T18:11:46","slug":"401k-hardship-withdrawals-know-the-stakes","status":"publish","type":"post","link":"https:\/\/www.velocitycommunity.org\/wph\/workarea\/401k-hardship-withdrawals-know-the-stakes\/","title":{"rendered":"401(k) Hardship Withdrawals: Know The Stakes"},"content":{"rendered":"\n<p>A sudden job downgrade or an expensive medical bill could leave you desperately looking for an immediate source of income. Your 401(k) should be the last place you look for quick money. But if you\u2019ve exhausted all other options, and your employer plan allows hardship withdrawals, you might have no choice but to tap into your 401(k) retirement plan to help ease your financial burdens. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Before you do:<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>Comb the fine print in your 401(k) plan to find out what qualifies as a hardship. Usually, it must be an immediate and heavy financial need pertaining to certain expenses.<\/li><li>Find out if you are eligible to take a hardship withdrawal. The IRS says you must exhaust other, specific options first.<\/li><li>Learn how much money is available to you. It\u2019s usually restricted to the amount you have contributed to the plan, without earnings, but not always. Be aware that:<\/li><li>For at least six months after you receive the withdrawal, you may not make new pretax contributions and you\u2019ll miss out on all or some employer matches during that time.<\/li><li>You will have to pay taxes on the amount you receive, based on your tax bracket.<\/li><li>If you\u2019re younger than 59\u00bd years old, you will have to pay a 10% early withdrawal penalty. However, the stimulus bill passed in January 2021 included a modification to the CARES Act, and <a href=\"https:\/\/www.irs.gov\/newsroom\/coronavirus-related-relief-for-retirement-plans-and-iras-questions-and-answers\" rel=\"noreferrer noopener\" target=\"_blank\">temporarily waived the penalty<\/a> on coronavirus-related distributions.<\/li><li>In addition to the penalty, your plan might charge a fee to take a hardship withdrawal.<\/li><\/ul>\n\n\n\n<p>Don\u2019t jump to hardship withdrawals without understanding the consequences. First and most important is that you\u2019ll forgo the compound earnings you&#8217;d otherwise enjoy in retirement. To drive this home, say you are 30 years old, in the 25% tax bracket, and want $10,000 to pay for your tuition this year. You will have to pay an employer withdrawal fee, an IRS early-withdrawal penalty, and taxes; and you&#8217;ll have to stop making elective deferral contributions for six months. The end result: You could come short approximately $194,000 when you retire\u2014assuming you miss a 7% annual rate of return.<\/p>\n\n\n\n<p>In some situations, it is worth taking the hardship withdrawal, but it should be your last resort. Consult with your HR department and your tax and financial advisers to evaluate your situation. Contact one of our <a href=\"https:\/\/www.velocitycommunity.org\/loans-credit-cards\/personal-loans\/\" rel=\"noreferrer noopener\" target=\"_blank\">Velocity Community Credit Union<\/a> loan officers at (561) 775-2525 to see what options you may have rather than dipping into your 401K.&nbsp;&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A sudden job downgrade or an expensive medical bill could leave you desperately looking for an immediate source of income. Your 401(k) should be the last place you look for quick money. But if you\u2019ve exhausted all other options, and your employer plan allows hardship withdrawals, you might have no choice but to tap into [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1366,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-1363","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>401(k) Hardship Withdrawals: Know The Stakes - Velocity Community Credit Union<\/title>\n<meta name=\"description\" content=\"A sudden change in your financial health can have you looking for relief. 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Before using hardship withdrawals learn more about the potential stakes!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/401k-hardship-withdrawals-know-the-stakes\/\" \/>\n<meta property=\"og:site_name\" content=\"Velocity Community Credit Union\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/VCFCU\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-11T18:09:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-11-11T18:11:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/wp-content\/uploads\/2021\/11\/401k-hardship-withdrawals.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"473\" \/>\n\t<meta property=\"og:image:height\" content=\"265\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emily Plowman\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@VelocityCCU\" \/>\n<meta name=\"twitter:site\" content=\"@VelocityCCU\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily Plowman\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/401k-hardship-withdrawals-know-the-stakes\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/401k-hardship-withdrawals-know-the-stakes\/\"},\"author\":{\"name\":\"Emily Plowman\",\"@id\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/#\/schema\/person\/bc495b49607b634968649602bcef96c2\"},\"headline\":\"401(k) Hardship Withdrawals: Know The Stakes\",\"datePublished\":\"2021-11-11T18:09:16+00:00\",\"dateModified\":\"2021-11-11T18:11:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/401k-hardship-withdrawals-know-the-stakes\/\"},\"wordCount\":412,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/401k-hardship-withdrawals-know-the-stakes\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/wp-content\/uploads\/2021\/11\/401k-hardship-withdrawals.jpg\",\"articleSection\":[\"Financial\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/401k-hardship-withdrawals-know-the-stakes\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/401k-hardship-withdrawals-know-the-stakes\/\",\"url\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/401k-hardship-withdrawals-know-the-stakes\/\",\"name\":\"401(k) Hardship Withdrawals: Know The Stakes - Velocity Community Credit Union\",\"isPartOf\":{\"@id\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/401k-hardship-withdrawals-know-the-stakes\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/401k-hardship-withdrawals-know-the-stakes\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.velocitycommunity.org\/wph\/workarea\/wp-content\/uploads\/2021\/11\/401k-hardship-withdrawals.jpg\",\"datePublished\":\"2021-11-11T18:09:16+00:00\",\"dateModified\":\"2021-11-11T18:11:46+00:00\",\"description\":\"A sudden change in your financial health can have you looking for relief. 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