Is the birth of a child exception for early withdrawal of IRA/401k plan still in effect and if so how would that work withdrawing in 2022 being unemployed? Waiver of 10%?

[Opus 17]

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@Klaw2 wrote:

I appreciate the information above. One lingering question is if the payments can be spread out over that 12 month period? For instance can you take say $4,000 immediately and then the other $1,000 several months after?

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You can make more than one withdrawal, the combined total can't be more than $5000 per birth or adoption, and within 1 year after the date of birth. 

[dmertz]

More precisely, the qualifying distributions totaling not more than $5,000 must be made within the one year period that begins on the date of birth or adoption of the child (not beginning on the day after the birth or adoption).