Is tapping my Roth basis better than taking a hardship withdrawal from my active 401k to cover my teenagers college tuition deposit this fall?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is tapping my Roth basis better than taking a hardship withdrawal from my active 401k to cover my teenagers college tuition deposit this fall?
2 real searches · 1 real-search pass
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
IRS Roth IRA ordering rules regular contributions distributions tax free contributions basis Google ↗
IRS 401k hardship distributions higher education tuition 10% additional tax early distribution exception qualified retirement plan Google ↗
- Publication 970 (2025), Tax Benefits for Education · irs.gov
- Retirement topics - Exceptions to tax on early distributions · irs.gov
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
- Retirement topics - Hardship distributions · irs.gov
- Retirement plans FAQs regarding hardship distributions · irs.gov
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
- Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs) · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS Roth IRA ordering rules regular contributions distributions tax free contributions basis OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
IRS 401k hardship distributions higher education tuition 10% additional tax early distribution exception qualified retirement plan OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |