thanks steve, but i know what i'm doing.

it boggles my mind that people presume ignorance on the part of the actor (as referenced in the blog that "everybody else is doing it wrong").

its a deliberate play against my current income that i will report and its not actually a strict withdrawal. 40k and 10% early fee were strictly an example. that's not actually what's going on in my case, but its a lot more digestable and the vanilla case and I'd do it even if that was my situation (I'm doing better than that).

i was a financial professional and think about that sort of stuff.