Yes - both would be a taxable event if all the funds were traditional. As others have mentioned, if would be more advantageous to take the distribution in a year with less taxable income/lower taxable rate.
I think I was worried that he might get hit with the 10% early distribution if the loan was not paid off. That's a real whammy.
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I think I was worried that he might get hit with the 10% early distribution if the loan was not paid off. That's a real whammy.
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