OPUS 17 and fanfare -- Thanks for your replies. It helps. I didn't want to confuse my question with details but, since you asked, I owe about $66000 on a 4.99% loan that's costing about $3600 a year in interest and yes, I'm actually thinking about adding $36000 of non-IRA funds to the $30000 IRA cash out and paying off the campervan loan and getting the title which will make the van a lot easier to sell which I am also thinking about doing. Whew. As I said, my main concern is that I don't trigger some obscure distribution tax or fee or assessment or levy or whatever other word the IRS uses to collect money. I do understand that 22% of 30000 is more than $3500 but there are other expenses to owning this campervan that might make it worth just paying off the loan and selling it.
