Compare traditional forty one k and Roth IRA options for a family emergency fund because I need to free up cash immediately to cover urgent medical bills.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Compare traditional forty one k and Roth IRA options for a family emergency fund because I need to free up cash immediately to cover urgent medical bills.
3 real searches · 1 real-search pass
IRS Roth IRA distributions ordering rules contributions withdrawn first tax penalty medical expenses exception 2026Google ↗
OBSERVEDConsequence
IRS 401(k) hardship distributions medical expenses 10% additional tax exception unreimbursed medical expenses 7.5% AGI 2026Google ↗
OBSERVEDConsequence
IRS 401(k) plan loans hardship withdrawal rules participant immediate financial need medical expensesGoogle ↗
OBSERVEDConsequence
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
IRS Roth IRA distributions ordering rules contributions withdrawn first tax penalty medical expenses exception 2026 Google ↗
IRS 401(k) hardship distributions medical expenses 10% additional tax exception unreimbursed medical expenses 7.5% AGI 2026 Google ↗
IRS 401(k) plan loans hardship withdrawal rules participant immediate financial need medical expenses Google ↗
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
- Retirement topics - Exceptions to tax on early distributions · irs.gov
- Retirement plans FAQs regarding hardship distributions · irs.gov
- 401(k) plan hardship distributions - consider the consequences · irs.gov
- FAQs about Retirement Plans and ERISA · dol.gov
- Publication 590-B (2025), Distributions from Individual Retirement Arrangements (IRAs) · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS Roth IRA distributions ordering rules contributions withdrawn first tax penalty medical expenses exception 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS 401(k) hardship distributions medical expenses 10% additional tax exception unreimbursed medical expenses 7.5% AGI 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS 401(k) plan loans hardship withdrawal rules participant immediate financial need medical expenses OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |