yes, exactly my point. This decision impacts my ACA expense (for 3 years) along with my tax bracket for either 1 big year or 30 consecutive years. This money would be pulled from a 401k and be taxed. So, is it better to take this big tax hit in 1 year, then go back to a 'normal' monthly draw from my retirement account or take the continued larger monthly draws to pay a mortgage.
