asked

I need to withdraw $35,000 from my IRA on January 2, 2014, and I do not qualify for any withholding exemptions. I am not yet 59-1/2, and my husband and I make about $250,000 annually with no significant tax write-offs. We are in a high tax bracket. Should I request no tax withholding on the IRA withdrawal to receive $35,000 and settle up with taxes and a $3,500 penalty at tax time, or should I withdraw more, say $70,000, and have about 50% withheld to net the $35,000? The $35,000 withdrawal adds less to our overall income and results in a smaller penalty, but I'll have to come up with all the tax money when I file my 2014 taxes. The $70,000 withdrawal with withholding solves the 'paying taxes' situation but results in a higher income, a higher penalty, and a bigger hit to my overall IRA funds.

June 13th, 2023

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