Weigh the financial impact of cashing out a small Roth 401k to pay off overdue mortgage payments versus executing a direct rollover to a Roth IRA after an involuntary job separation.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Weigh the financial impact of cashing out a small Roth 401k to pay off overdue mortgage payments versus executing a direct rollover to a Roth IRA after an involuntary job separation.
2 real searches · 1 real-search pass
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)
Classes come from the query-classifier (a local Laya model). 1 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 designated account distribution nonqualified earnings 10% additional tax direct rollover Roth 401k Roth IRA 2026 Google ↗
CFPB mortgage missed payments foreclosure options loss mitigation repayment plan forbearance 2026 Google ↗
- Retirement topics - Designated Roth account · irs.gov
- Retirement plans FAQs on designated Roth accounts · irs.gov
- Publication 590-A (2025), Contributions to Individual Retirement Arrangements (IRAs) · irs.gov
- If I can’t pay my mortgage loan, what are my options? · consumerfinance.gov
- What is a repayment plan on a mortgage? · consumerfinance.gov
- What is mortgage forbearance? · consumerfinance.gov
- Exit your forbearance carefully · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS Roth designated account distribution nonqualified earnings 10% additional tax direct rollover Roth 401k Roth IRA 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
CFPB mortgage missed payments foreclosure options loss mitigation repayment plan forbearance 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |