Retirement tax questions

If you take a Withdrawal it is taxable on your return and may push you into a higher tax bracket and more income can reduce or eliminate some credits you may qualify for.  So be careful.  Then there is a 10% Early Withdrawal Penalty if you are under 59 1/2 or under 55 if you left that job.  You can lose like up to 50% of it for taxes and penalties for federal and state.