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If in order to unemployed, be impossible for you to clear your entire dues in a go. You’ve to your savings to cover your daily expenses unless you want to find another employment. Your present economic situation, this is a huge ask.
In deciding whether you need to take a lump sum distribution or even annuity, your age, health, ability manage money, and wish for current cash all needs turn out to be taken thoughts. Review the 401k withdrawal rules, too, to contemplate a Roth refitting. Take time to consider all choices.