We cannot see any of your information. We do not know what your tax bracket is, nor do you mention how much you are considering taking out of your retirement account so we do not know if it will change your tax bracket.
If you are under 59 1/2, you will be subject to a 10% early withdrawal penalty plus ordinary income tax in whatever tax bracket you are in. If you take money out in 2020 you will receive a 1099R in late January/early February which you will need to enter on your 2020 tax return.
Here is a link to the tax rates for 2020:
https://ttlc.intuit.com/community/tax-topics/help/what-are-the-federal-tax-rates-for-2019/00/1299831
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
