I am 60 and took out 5k out of my 401k due to a move out of state. I withdrew the funds in 2021. How will that affect me when I file taxes in 2022. Part of it included a loan that wasn’t paid back. Would that be a penalty and a hard tax hit. I do the standard itemized when filing. Normally get a small refund. I make under 50k live in DE now. Moved from FL.