401(k) Hardship Withdrawals for a First Home: Smart or Costly?
Автор: Smart Money Habits
Загружено: 2026-02-23
Просмотров: 7
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Using a 401(k) hardship withdrawal to buy your first home can feel like a shortcut — but it often comes with hidden long-term costs. In this video, we explain how hardship withdrawals from a US 401(k) actually work, when they’re allowed, and how they differ from loans and IRA options.
You’ll learn the tax consequences, penalties, opportunity cost to retirement growth, and common misunderstandings that lead Americans to regret this decision later. This veteran breakdown focuses on trade-offs and alternatives, not emotional home-buying pressure.
👉 For clear, no-BS US personal finance guidance, subscribe to the channel and watch until the end — the final checklist helps you decide if touching retirement money is truly worth it.
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#401k #hardshipwithdrawal
#firsttimehomebuyer #ustaxes
#retirementplanning #personalfinanceus
#homebuying #financialeducation
#wealthbuilding #smartmoney
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