Real ChatGPT answer · index seedI4dxtV4KRZ8completeCareers and HR · layoffs and severancecomparison

Am I better off withdrawing from my 401k or cashing out my Roth IRA right now to survive after today's layoff?

ChatGPTgpt-62 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Am I better off withdrawing from my 401k or cashing out my Roth IRA right now to survive after today's layoff?
2 real searches · 1 real-search pass
IRS Roth IRA ordering rules distributions contributions first Publication 590-B 2025 2026Google ↗
OBSERVEDReason
IRS 401k distributions after leaving job early withdrawal 10% additional tax exceptions unemployment health insuranceGoogle ↗
OBSERVEDComparison

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)
Short factOther / navigationalComparison50%ConsequenceReason50%DefinitionInstructionYes / no

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 distributions contributions first Publication 590-B 2025 2026 Google ↗
IRS 401k distributions after leaving job early withdrawal 10% additional tax exceptions unemployment health insurance Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS Roth IRA ordering rules distributions contributions first Publication 590-B 2025 2026
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
IRS 401k distributions after leaving job early withdrawal 10% additional tax exceptions unemployment health insurance
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1