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Retirement tax questions
No.
The distribution is always taxable. If you are under 59 1/2, there is also a early withdrawal penalty of 10%. There are exceptions to this penalty.
But the purchase if a HVAC system to replace a failed unit is not one of the exceptions to the early withdrawal penalty.
You could however use the exception for a financial emergency withdrawal for up to $1,000.
Please read this TurboTax Help article.
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‎February 18, 2026
7:43 AM