re: IRA early withdraw to fund another. (Update)

I'd leave the IRA alone, and try to get by with a credit card for the next three months (maybe a new card with a low teaser rate). Since he is self employed, maybe take extra salary if possible, and float the rest on his business account.

I find it curious that this advisor has him in an IRA, but didn't recommend a 3-6 month emergency fund. Of course, they don't make commission on an emergency fund. For someone who is self employed in an industry that sounds like it fluctuates significantly, I'd recommend a 6 month (of expenses) emergency fund.