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401k cares act withdrawal
I stopped working on September 5, 2020 and took out a cares act distribution for a vested balance of a little over $25k. I talked to a tax advisor and had fidelity hold the taxes but now I'm not sure if i actually qualified. I still had child care (my step dad coming to my house to watch our girls) at the time that I quit working but my job told us that as of october 1, 2020 we would need to have a private space and no excessive background noise. The only way that we would have been able to meet the space requirement would have been if the company had allowed my husband and I to work in the same room since he's just in another department of the same company. The company was still working out the details at the time of my resignation. Should i pay the 10% penalty? I've already used the money to pay off all of our student loans. How would i go about paying the penalty?