Real ChatGPT answer · index seed20FwWLnFRXccompleteFinance and banking · retirement accountsinformational

How does the ten percent early withdrawal penalty get calculated on the earnings portion versus the contribution portion of a Roth IRA compared to a traditional 401k?

ChatGPTgpt-61 query10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How does the ten percent early withdrawal penalty get calculated on the earnings portion versus the contribution portion of a Roth IRA compared to a traditional 401k?
1 real search · 1 real-search pass
IRS Roth IRA ordering rules distributions contributions conversions earnings 10% additional tax traditional 401k early distribution taxable amount exceptionsGoogle ↗
OBSERVED

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

Classifying 1 queries…

Searches and sources

ChatGPT1 real searches · gpt-6
IRS Roth IRA ordering rules distributions contributions conversions earnings 10% additional tax traditional 401k early distribution taxable amount exceptions Google ↗

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS Roth IRA ordering rules distributions contributions conversions earnings 10% additional tax traditional 401k early distribution taxable amount exceptions
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1