Early retirement distributions are a bad idea. The tax law penalizes you severely for not waiting.
Look for other options for cash... loans from your 401k (tax-free), home equity loans, family loans, slow down spending. If no other options exist, consider pulling out only 1/2 of your original early distribution plan. Can you delay your cash needs? It's the perfect time to call your tax advisor to help with possible exceptions and to help you strategically plan which account to pull the funds from.
It's not a good situation, but a tax advisor can help you minimize the damage.
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If you need a tax appointment... www.baboiancpa.com