Taking money out of retirement

Depends on what you mean when you say "retirement account," depends (maybe) on why you're taking it out, depends on a lot of things. Without more details no one can answer this.

If you mean taking money out of your 401k Plan then yes. Assuming you are younger then 59 / 60 years old, you will be hit with the following:

1. Money will be taxed at your current tax rate

2. 10% penalty

If you need the money, a loan from your 401k (if allowed) may be a better option than a withdrawal.

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Depends on what you mean when you say "retirement account," depends (maybe) on why you're taking it out, depends on a lot of things. Without more details no one can answer this.

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I apologize as I am not very knowledgeable in this area. This is dealing with my 401K. I was behind on a few bills, so I asked to withdraw $4,000 out of my account. They lady I spoke with on the phone told me that I would have to file it on my taxes? Again, I apologize as I do not know much about this kind of stuff

It will be taxed plus a 10% penalty

You can take a loan out against your 401k.

Thats the way to go.

Quit overspending.

To be honest find another way to catch up. Part time job, sell things you don't need anymore, ect.

I wouldn't touch your 401k unless you're in danger of being put out on the street. The penalties are too heavy.