Real ChatGPT answer · index seedRwAsmV54jUUcompleteCareers and HR · layoffs and severanceinformational
How do I calculate the opportunity cost of raiding my retirement accounts versus taking out a short-term personal loan while unemployed?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do I calculate the opportunity cost of raiding my retirement accounts versus taking out a short-term personal loan while unemployed?
3 real searches · 1 real-search pass
IRS early distributions retirement plans 10% additional tax exceptions unemployment 401k IRA 2026Google ↗
OBSERVEDComparison
IRS retirement topics exceptions tax on early distributions 401k IRA Roth 2026Google ↗
OBSERVEDReason
CFPB personal loan APR origination fees monthly payments compare loan costsGoogle ↗
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 (3)
Classes come from the query-classifier (a local Laya model). 2 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 early distributions retirement plans 10% additional tax exceptions unemployment 401k IRA 2026 Google ↗
IRS retirement topics exceptions tax on early distributions 401k IRA Roth 2026 Google ↗
CFPB personal loan APR origination fees monthly payments compare loan costs Google ↗
- IRS guide to early distribution exceptions · irs.gov
- Topic no. 558, Additional tax on early distributions from retirement plans other than IRAs · irs.gov
- Topic no. 557, Additional tax on early distributions from traditional and Roth IRAs · irs.gov
- CFPB's explanation of personal loan fees · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS early distributions retirement plans 10% additional tax exceptions unemployment 401k IRA 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
IRS retirement topics exceptions tax on early distributions 401k IRA Roth 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB personal loan APR origination fees monthly payments compare loan costs OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |