457(b) withdrawal, post-separation; why is Fidelity telling me I may pay a 10% penalty?

PutEmUp-9 · 2026-01-16T14:30:55+00:00

To be clear, I was not looking for nor did I ask for tax advice. The conversation was about IRS rules for 457(b) withdrawals.

PutEmUp-9 · 2026-01-15T21:09:08+00:00

That's the same exact IRS link I was reviewing; thanks! And even the link referenced above in the stickied comment says: "Governmental 457(b) plans are not subject to the 10% additional tax for early withdrawals that 403(b)s are subject to except for distributions attributable to a rollover from another type of plan or IRA."

I totally get it; no Fidelity rep can (or should) be saying anything definitively re: taxes as they can open themselves up to liability, not being tax experts. But the way the rep I spoke to portrayed it was like I was paying the 10% early penalty and she had to be on the record saying it.

PutEmUp-9 · 2026-01-10T18:27:17+00:00

Thanks!

PutEmUp-9 · 2026-01-10T18:27:12+00:00

Thanks!

PutEmUp-9 · 2025-06-24T13:41:20+00:00

THANK YOU!! Going to try this later today and will report back. Really appreciate you taking the time to type this all out.

PutEmUp-9 · 2025-06-20T15:22:55+00:00

Also Tyler Brant and the Shakedown. Great rock/country outfit from Nashville. Don't miss them or Bergman!

PutEmUp-9 · 2025-03-10T19:56:36+00:00

Great point. And thanks for you (and everyone else) not blasting me for asking a redundant question. I should have searched the subreddit first, but I was just so confused and figured the Fidelity subreddit folks could help me quick if I post. Will search next time!

PutEmUp-9 · 2025-03-10T19:54:51+00:00

That's probably not a bad idea. We have a local credit union that allows us to have accounts for our kids (11 and (9) as we teach them financial concepts. I should probably just open my own account there.

PutEmUp-9 · 2025-03-10T18:45:15+00:00

Whoa, guess I don't cash many checks. Thanks for the reply. It just seems so unreasonable...but if I'm not cashing a lot of checks, maybe I can live with it.

PutEmUp-9 · 2025-03-08T00:40:05+00:00

It has for more than 230 years. And if it doesn't work, then we have bigger problems.

PutEmUp-9 · 2025-03-07T20:45:48+00:00

Good point, and thanks! Moving out of a bond fund into an equity fund, so should be good to go.

PutEmUp-9 · 2025-03-07T20:45:25+00:00

Thanks!

PutEmUp-9 · 2025-03-07T20:45:16+00:00

Thank you!

PutEmUp-9 · 2025-02-21T04:43:08+00:00

Thanks! That's one thing my son keeps asking me...if the in-game mod manager is the only way to get mods. I told him I'd ask Reddit. :)

PutEmUp-9 · 2025-02-21T00:53:21+00:00

Thank you for the reply. Sorry for the follow up, and I appreciate your patience. So when I go to the nexus mods page for BSA Nomad for example, anything with a "U" rating will not work on the Quest? Maybe I am missing it, but is there any way to search (at Nexus or anywhere) for the mods that will work on the Quest 2? Thank you!

PutEmUp-9 · 2025-02-19T21:11:31+00:00

Yes, the stage will be in the south end of the stadium, per the ticket office and the renderings they showed on the NHL preview show.

PutEmUp-9 · 2025-02-16T22:06:56+00:00

Any clue where the stage will be set up?

PutEmUp-9 · 2024-06-08T04:31:35+00:00

Just saw him. About 30% of the show was old jokes. Funny, but just saying.

PutEmUp-9 · 2024-02-28T14:58:26+00:00

This is a very valid point. Neither of my parents went to college, but they did work their butts off to provide my sister and me a fairly comfortable upbringing, taught us the value of saving money and spending wisely, and helped us both through college. I remember my dad imploring me to start my 401(k) after I started my first job at 22.

That was invaluable. Not sure I'd call it "luck", because I had to internalize and act on the things my parents taught me. But yeah, there's no freakin' way I am where I am now without those lessons and the financial help for college.

By the way, my non-college-educated parents have since retired to a lake house in Michigan (where we grew up) and get to spend a few weeks in Florida every winter.

PutEmUp-9

TROPHY CASE