k**l
发帖数: 2966 | 1 比如tax or extra charge啥的？
多谢 | s*****e
发帖数: 1905 | 2 10% penalty plus Tax(Fed/State).
【在 k**l 的大作中提到】
: 比如tax or extra charge啥的？
: 多谢
| l****n
发帖数: 844 | 3 不要提出来，用loan，不罚钱
【在 k**l 的大作中提到】
: 比如tax or extra charge啥的？
: 多谢
| j****y
发帖数: 1714 | | S*********e
发帖数: 315 | 5 What I heard, 2 drawbacks:
Your loan from your 401k, even though you don't need pay penalty, you still
need use your after tax income to pay back your 401k loan, which will be
taxed again when you retired.
And also, if you change job, you need to pay back all your 401k loan right
way to avoid penalty. | l****n
发帖数: 844 | 6 the first one is not really true and always misleading. You are NOT double-
taxed for the $$ you borrowed, the only drawback is the interests you paid
is not Tax-deductible as in a mortgage.
Think about this: no matter what kind of loan you borrow, you have to pay
the principle with after-tax $$, so does 401k loan.
still
【在 S*********e 的大作中提到】
: What I heard, 2 drawbacks:
: Your loan from your 401k, even though you don't need pay penalty, you still
: need use your after tax income to pay back your 401k loan, which will be
: taxed again when you retired.
: And also, if you change job, you need to pay back all your 401k loan right
: way to avoid penalty.
| M****o
发帖数: 13571 | 7 This is correct.
BTW the interest that you pay will still go to your own 401k account. So
that's really not a big deal.
【在 l****n 的大作中提到】
: the first one is not really true and always misleading. You are NOT double-
: taxed for the $$ you borrowed, the only drawback is the interests you paid
: is not Tax-deductible as in a mortgage.
: Think about this: no matter what kind of loan you borrow, you have to pay
: the principle with after-tax $$, so does 401k loan.
:
: still
| x*******1
发帖数: 1278 | | h*********4
发帖数: 12966 | 9 我们提的时候没有任何penalty，一万以内
【在 k**l 的大作中提到】
: 比如tax or extra charge啥的？
: 多谢
| s*****n
发帖数: 2174 | 10 如果买个房子, 首付都需要动用401k里面的钱,
那说明目前还没有足够的经济实力买房子, 还是
再存几年钱吧.
按照一般的标准, 应该是付了首付后, 手里依然有
可以维持半年的钱(包括半年的房贷), 也就是至少
几万块钱吧. |
|
