At your age, there's no need to be concerned with early withdrawal penalties.
Normally when I make reference to websites on tax topics, I prefer to reference an IRS or other government web site to ensure the information provided is the most current. But in this case the best I can find that explains things in plain english for us common folks is on the Motley Fool website at https://www.fool.com/retirement/plans/401k/required-minimum-distributions/
It used to be that at age 70 1/2 you were required to take a minimum distribution. I see now that it's changed to age 73. What you do with the money withdrawn from your retirement account has no affect on it's taxability. You will be taxed on that money anywhere from 0% on up; depending on what tax bracket you fall in based on the total of all income from all sources.
