Does anyone know how to pull out of my retirement money at eighteen and not get penalized? I have Tiaa from a job I left due to relocation. I want to use it for school.

[Bsch4477]

If your withdrawal plus your other income will be less than the single standard deduction of $15,000 you won’t owe tax but there will be a 10% penalty. The penalty is waived if you have an IRA and the withdrawal is used for education expenses.