Yes it's your money. You will get a 1099R form in January to enter into your tax return. You will get credit for the withholding taken out. Yes there is a 10% Early Withdrawal Penalty for under 59 1/2. You might be able to roll it into an IRA account to avoid the tax and penalties. You have 60 days to put it into an IRA. And you need to add in the withholding from your own money so you deposit 100%.
