Evaluate whether a hardship withdrawal from my 401k for medical expenses is preferable to taking a personal loan from my credit union while navigating a disputed severance package.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Evaluate whether a hardship withdrawal from my 401k for medical expenses is preferable to taking a personal loan from my credit union while navigating a disputed severance package.
3 real searches · 1 real-search pass
IRS 401(k) hardship distributions medical expenses 7.5% AGI 10% additional tax exception 2026Google ↗
OBSERVEDConsequence
CFPB personal loan compare APR fees monthly payment credit union loanGoogle ↗
OBSERVEDComparison
IRS 401(k) distributions separation from service age 55 exception medical expenses exceptionGoogle ↗
OBSERVEDYes / no
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
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 401(k) hardship distributions medical expenses 7.5% AGI 10% additional tax exception 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
CFPB personal loan compare APR fees monthly payment credit union loan OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
IRS 401(k) distributions separation from service age 55 exception medical expenses exception OBSERVED | Google ↗ AI Mode ↗ | — | Yes / no | — | — | 1x of 1 |