好像有个特别条款，如果你55岁以后，因为失业等原因需要从401K里取钱可以不交这个罚款。 https://www.thebalance.com/what-is-the-rule-of-55-2894280#:~:text=The%20IRS%20Rule%20of%2055%20allows%20an%20employee%20who%20is,10%25%20penalty%20for%20early%20withdrawal. How the Rule of 55 Works If you are between ages 55 and 59 1/2 and get laid off, fired, or quit your job, the IRS Rule of 55 lets you pull money out of your 401(k) or 403(b) plan without penalty.2 This applies to workers who leave their jobs anytime during or after the year of their 55th birthdays. There is a slight catch. The Rule of 55 only applies to assets in your current 401(k) or 403(b). That's the one you invested in while you were at the job you leave at age 55 or older.3 Money in a former 401(k) or 403(b), is not covered. You would have to wait until age 59 1/2 to begin withdrawing funds from those accounts without paying the 10% penalty. There is a a strategy to use if you know you will be leaving the job. You can get penalty-free access to plans from former employers if you roll them into your current 401(k) or 403(b). Once done, you can leave your current job before age 59 1/2 and withdraw the money using the Rule of 55.
老老实实交吧，要不然就别withdraw, 很多401k可以借loan的。
这怎么可能 那设置这个penalty 的意义何在
您都59歲啦，再等半年就可以沒有penalty withdraw了！不要現在交這10%比較好，我做financial advisor的，可以問我。
好像去年可以penalty free withdrawal ，今年没了？
https://www.thebalance.com/what-is-the-rule-of-55-2894280#:~:text=The%20IRS%20Rule%20of%2055%20allows%20an%20employee%20who%20is,10%25%20penalty%20for%20early%20withdrawal.
How the Rule of 55 Works If you are between ages 55 and 59 1/2 and get laid off, fired, or quit your job, the IRS Rule of 55 lets you pull money out of your 401(k) or 403(b) plan without penalty.2 This applies to workers who leave their jobs anytime during or after the year of their 55th birthdays.
There is a slight catch. The Rule of 55 only applies to assets in your current 401(k) or 403(b). That's the one you invested in while you were at the job you leave at age 55 or older.3 Money in a former 401(k) or 403(b), is not covered. You would have to wait until age 59 1/2 to begin withdrawing funds from those accounts without paying the 10% penalty.
There is a a strategy to use if you know you will be leaving the job. You can get penalty-free access to plans from former employers if you roll them into your current 401(k) or 403(b). Once done, you can leave your current job before age 59 1/2 and withdraw the money using the Rule of 55.