Real ChatGPT answer · index seedLeyyeTiCWMEcompleteFinance and banking · retirement accountscomparison
What are the specific rules regarding penalty free hardship withdrawals for primary residence purchases from a Roth IRA versus a 401k?
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The searches the AI actually ran for this prompt.
SEED QUERY
What are the specific rules regarding penalty free hardship withdrawals for primary residence purchases from a Roth IRA versus a 401k?
3 real searches · 1 real-search pass
IRS Roth IRA first time homebuyer exception 10000 five year rule ordering contributions conversions earnings 2026Google ↗
OBSERVED
IRS 401k hardship distribution purchase principal residence 10% additional tax first time homebuyer exceptionGoogle ↗
OBSERVED
IRS Publication 590-B first home purchase IRA 120 day 2 year ownership definitionGoogle ↗
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 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
IRS Roth IRA first time homebuyer exception 10000 five year rule ordering contributions conversions earnings 2026 Google ↗
IRS 401k hardship distribution purchase principal residence 10% additional tax first time homebuyer exception Google ↗
IRS Publication 590-B first home purchase IRA 120 day 2 year ownership definition 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 plans FAQs regarding hardship distributions · irs.gov
- 401k Resource Guide Plan Participants General Distribution Rules · irs.gov
- Retirement topics - Hardship distributions · irs.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS Roth IRA first time homebuyer exception 10000 five year rule ordering contributions conversions earnings 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS 401k hardship distribution purchase principal residence 10% additional tax first time homebuyer exception OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
IRS Publication 590-B first home purchase IRA 120 day 2 year ownership definition OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |