{"id":4920,"date":"2023-12-26T04:53:35","date_gmt":"2023-12-26T04:53:35","guid":{"rendered":"https:\/\/oandgaccounting.com\/staging\/?p=4920"},"modified":"2023-12-27T12:17:05","modified_gmt":"2023-12-27T12:17:05","slug":"early-retirement-withdrawal-trap-dont-get-burned-know-the-rule-avoid-penalties","status":"publish","type":"post","link":"https:\/\/oandgaccounting.com\/staging\/es\/early-retirement-withdrawal-trap-dont-get-burned-know-the-rule-avoid-penalties\/","title":{"rendered":"La trampa del retiro anticipado de fondos para la jubilaci\u00f3n: \u00a1No se queme! \u00a1Conozca las reglas y evite sanciones!"},"content":{"rendered":"<div class=\"onefivequestion\">\n<div class=\"container py-4 text-left\">\n<p>Ahorrar para la jubilaci\u00f3n es un objetivo a largo plazo que requiere disciplina y paciencia. Sin embargo, a veces la vida te da sorpresas y necesitas acceder a tus ahorros para la jubilaci\u00f3n antes de cumplir los 59 a\u00f1os y medio. Ya sea para una emergencia, una compra importante o un cambio de planes, retirar dinero anticipadamente de tus cuentas de jubilaci\u00f3n puede tener serias implicaciones fiscales que debes tener en cuenta.<\/p>\n<p>En este art\u00edculo, explicaremos las reglas y excepciones para realizar retiros anticipados de diferentes tipos de cuentas de jubilaci\u00f3n, como <a href=\"https:\/\/www.irs.gov\/retirement-plans\/individual-retirement-arrangements-iras\" rel=\"noopener\" target=\"_blank\">IRA<\/a>, <a href=\"https:\/\/www.irs.gov\/retirement-plans\/401k-plans\" rel=\"noopener\" target=\"_blank\">401(k)s<\/a>, y <a href=\"https:\/\/www.irs.gov\/retirement-plans\/irc-403b-tax-sheltered-annuity-plans\" rel=\"noopener\" target=\"_blank\">403(b)s<\/a>. Tambi\u00e9n le mostraremos c\u00f3mo reportar sus retiros anticipados al IRS y c\u00f3mo evitar o reducir las multas e intereses que puedan aplicarse a sus retiros. Finalmente, le brindaremos algunos consejos y recursos para ayudarle a planificar sus ahorros para la jubilaci\u00f3n y evitar impuestos y multas innecesarias.<\/p>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3039986354638252\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block; text-align:center;\"\n     data-ad-layout=\"in-article\"\n     data-ad-format=\"fluid\"\n     data-ad-client=\"ca-pub-3039986354638252\"\n     data-ad-slot=\"8101689985\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<p><strong>\u00bfCu\u00e1les son las reglas para realizar retiros anticipados de las cuentas de jubilaci\u00f3n?<\/strong><\/p>\n<p>Las reglas para realizar retiros anticipados de las cuentas de jubilaci\u00f3n dependen del tipo de cuenta que tenga y del motivo del retiro. Generalmente, existen dos tipos de cuentas de jubilaci\u00f3n: las IRA y los planes basados en IRA, y los planes de jubilaci\u00f3n del lugar de trabajo, como los 401(k), 403(b) y <a href=\"https:\/\/www.irs.gov\/retirement-plans\/irc-457b-deferred-compensation-plans\" rel=\"noopener\" target=\"_blank\">457(b)<\/a> planes.<\/p>\n<p><strong>IRA y planes basados en IRA<\/strong><\/p>\n<p>Las cuentas IRA y los planes basados en IRA son cuentas de jubilaci\u00f3n individuales que usted crea y a las que aporta por su cuenta o a trav\u00e9s de su empleador. Incluyen <a href=\"https:\/\/www.irs.gov\/retirement-plans\/traditional-iras\" rel=\"noopener\" target=\"_blank\">IRA tradicionales<\/a>, <a href=\"https:\/\/www.irs.gov\/retirement-plans\/roth-iras\" rel=\"noopener\" target=\"_blank\">Cuentas IRA Roth<\/a>, <a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-sponsor\/simplified-employee-pension-plan-sep\" rel=\"noopener\" target=\"_blank\">Cuentas IRA SEP<\/a>, y <a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-sponsor\/simple-ira-plan\" rel=\"noopener\" target=\"_blank\">SIMPLE-IRA<\/a>. Puede retirar distribuciones de estas cuentas en cualquier momento, sin necesidad de demostrar dificultades econ\u00f3micas ni un motivo espec\u00edfico. Sin embargo, deber\u00e1 pagar impuestos sobre la renta sobre la parte imponible de su distribuci\u00f3n, a menos que se trate de una distribuci\u00f3n calificada de una IRA Roth. Una distribuci\u00f3n calificada de una IRA Roth es aquella que se realiza despu\u00e9s de haber tenido la cuenta durante al menos cinco a\u00f1os y tener al menos 59 a\u00f1os y medio, o si cumple con otra excepci\u00f3n, como fallecimiento o discapacidad.<br \/>\nAdem\u00e1s del impuesto sobre la renta, es posible que tambi\u00e9n deba pagar un impuesto 10% adicional sobre la parte imponible de su distribuci\u00f3n si la recibe antes de cumplir los 59 a\u00f1os y medio, a menos que cumpla con una excepci\u00f3n. El impuesto 10% adicional tambi\u00e9n se conoce como <a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-exceptions-to-tax-on-early-distributions#:~:text=Generally%2C%20the%20amounts%20an%20individual,tax%20unless%20an%20exception%20applies.\" rel=\"noopener\" target=\"_blank\">Impuesto por distribuci\u00f3n anticipada o la penalidad<\/a> Impuesto. Existen m\u00e1s de 20 excepciones a este impuesto, incluyendo algunas espec\u00edficas para las cuentas IRA y los planes basados en ellas. Por ejemplo, puede retirar hasta $10,000 de su cuenta IRA para comprar o construir su primera vivienda, o puede usar los fondos de su cuenta IRA para pagar gastos de educaci\u00f3n superior calificados para usted, su c\u00f3nyuge o sus dependientes.<\/p>\n<p><strong>Planes de jubilaci\u00f3n en el lugar de trabajo<\/strong><\/p>\n<p>Los planes de jubilaci\u00f3n en el trabajo son planes patrocinados por el empleador que le permiten ahorrar para su jubilaci\u00f3n difiriendo parte de su salario o recibiendo contribuciones del empleador. Incluyen los planes 401(k), 403(b) y 457(b). Puede recibir distribuciones de estos planes solo cuando ocurren ciertos eventos de la vida, como jubilarse, quedar incapacitado o dejar su trabajo. La descripci\u00f3n resumida del plan debe indicar claramente cu\u00e1ndo puede recibir una distribuci\u00f3n del plan mientras sigue trabajando para ese empleador. Muchos planes tambi\u00e9n le permiten recibir una distribuci\u00f3n por dificultades econ\u00f3micas o solicitar un pr\u00e9stamo del plan por cualquier motivo.<\/p>\n<p>Las distribuciones provenientes de planes de jubilaci\u00f3n del lugar de trabajo est\u00e1n sujetas al impuesto sobre la renta, a menos que sean <a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-designated-roth-account#:~:text=A%20designated%20Roth%20account%20is,are%20excluded%20from%20gross%20income.\" rel=\"noopener\" target=\"_blank\">contribuciones Roth designadas<\/a> o distribuciones calificadas de una cuenta Roth designada. Una cuenta Roth designada es una cuenta separada dentro de su plan que le permite realizar contribuciones despu\u00e9s de impuestos y recibir distribuciones libres de impuestos si cumple con ciertos requisitos. Una distribuci\u00f3n calificada de una cuenta Roth designada se realiza despu\u00e9s de haber tenido la cuenta durante al menos cinco a\u00f1os y tener al menos 59 a\u00f1os y medio, o si cumple con otra excepci\u00f3n, como fallecimiento o discapacidad.<\/p>\n<p>Al igual que con las cuentas IRA y los planes basados en IRA, es posible que tambi\u00e9n deba pagar un impuesto 10% adicional sobre la parte imponible de su distribuci\u00f3n si la recibe antes de cumplir 59 a\u00f1os y medio, a menos que cumpla con una excepci\u00f3n. Las excepciones a este impuesto son en su mayor\u00eda las mismas que para las cuentas IRA y los planes basados en IRA, pero existen algunas diferencias. Por ejemplo, puede recibir una distribuci\u00f3n de su plan de jubilaci\u00f3n laboral despu\u00e9s de terminar su servicio despu\u00e9s de cumplir 55 a\u00f1os, o puede recibir una distribuci\u00f3n bajo un... <a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-qdro-qualified-domestic-relations-order\" rel=\"noopener\" target=\"_blank\">orden de relaciones dom\u00e9sticas calificada (QDRO)<\/a> que asigna parte de los beneficios de su plan a su ex c\u00f3nyuge o dependiente.<\/p>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3039986354638252\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block; text-align:center;\"\n     data-ad-layout=\"in-article\"\n     data-ad-format=\"fluid\"\n     data-ad-client=\"ca-pub-3039986354638252\"\n     data-ad-slot=\"8101689985\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<p><strong>\u00bfC\u00f3mo informar retiros anticipados de cuentas de jubilaci\u00f3n al IRS?<\/strong><\/p>\n<p>Si realiza un retiro anticipado de su cuenta de jubilaci\u00f3n, debe declararlo como ingreso bruto en su declaraci\u00f3n de impuestos, a menos que se trate de una distribuci\u00f3n calificada de una cuenta Roth IRA o una cuenta Roth designada. Tambi\u00e9n debe declarar cualquier impuesto por distribuci\u00f3n anticipada que se aplique a su retiro, a menos que cumpla con una excepci\u00f3n. Para declarar su retiro anticipado y el impuesto al IRS, siga estos pasos:<\/p>\n<ol>\n<li>Incluya el monto de su distribuci\u00f3n en su <a href=\"https:\/\/www.irs.gov\/forms-pubs\/about-form-1040\" rel=\"noopener\" target=\"_blank\">Formulario 1040, Declaraci\u00f3n de Impuesto sobre la Renta de las Personas F\u00edsicas<\/a>, en la l\u00ednea para distribuciones de IRA o pensiones y anualidades, seg\u00fan el tipo de cuenta. Recibir\u00e1 un <a href=\"https:\/\/www.irs.gov\/forms-pubs\/about-form-1099-r\" rel=\"noopener\" target=\"_blank\">Formulario 1099-R<\/a>, Distribuciones de pensiones, anualidades, planes de jubilaci\u00f3n o de participaci\u00f3n en las ganancias, cuentas IRA, contratos de seguro, etc., del administrador de su plan o instituci\u00f3n financiera, que indiquen el monto y la parte tributable de su distribuci\u00f3n. Puede usar este formulario para completar su Formulario 1040.<\/li>\n<li>Reporte cualquier impuesto de distribuci\u00f3n anticipada en su<a href=\"https:\/\/www.irs.gov\/forms-pubs\/about-form-5329\" rel=\"noopener\" target=\"_blank\"> Formulario 5329<\/a>, Impuestos adicionales sobre planes calificados (incluidas las cuentas IRA) y otras cuentas con ventajas fiscales. Debe presentar este formulario si adeuda el impuesto 10% sobre su distribuci\u00f3n o si cumple con una excepci\u00f3n y desea reclamarla. Debe ingresar el monto de su distribuci\u00f3n, el monto del impuesto y el c\u00f3digo de excepci\u00f3n que corresponda a su situaci\u00f3n. Puede encontrar la lista de c\u00f3digos de excepci\u00f3n y sus descripciones en las instrucciones del Formulario 5329.<\/li>\n<li>Informe cualquier distribuci\u00f3n y reembolso por desastre calificado <a href=\"http:\/\/irs.gov\/forms-pubs\/about-form-8915-f\" rel=\"noopener\" target=\"_blank\">Formulario 8915-F<\/a>, Distribuciones y reembolsos calificados del Plan de Jubilaci\u00f3n por Desastre de 2020. Debe presentar este formulario si recibi\u00f3 una distribuci\u00f3n de su cuenta de jubilaci\u00f3n debido a un desastre declarado por el gobierno federal ocurrido en 2020 y desea distribuir el impuesto sobre la renta en tres a\u00f1os o reembolsar la distribuci\u00f3n dentro de tres a\u00f1os. Debe ingresar el monto de su distribuci\u00f3n, el monto del impuesto y el monto del reembolso, si corresponde. Puede encontrar m\u00e1s informaci\u00f3n sobre distribuciones y reembolsos calificados por desastre en <a href=\"http:\/\/irs.gov\/forms-pubs\/about-form-8915-f\" rel=\"noopener\" target=\"_blank\">Instrucciones para el Formulario 8915-F<\/a>.<\/li>\n<\/ol>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3039986354638252\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block; text-align:center;\"\n     data-ad-layout=\"in-article\"\n     data-ad-format=\"fluid\"\n     data-ad-client=\"ca-pub-3039986354638252\"\n     data-ad-slot=\"8101689985\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script><\/p>\n<p><strong>\u00bfC\u00f3mo evitar penalidades e intereses por retiros anticipados de cuentas de jubilaci\u00f3n?<\/strong><\/p>\n<p>La mejor manera de evitar penalizaciones e intereses por retiros anticipados de cuentas de jubilaci\u00f3n es evitarlos desde el principio. Sin embargo, si ya ha realizado un retiro anticipado o no le queda m\u00e1s remedio, puede reducir o eliminar las penalizaciones e intereses siguiendo estos consejos:<\/p>\n<ul>\n<li>Verifique si califica para una excepci\u00f3n al impuesto de distribuci\u00f3n anticipada 10%. Hay m\u00e1s de <a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-exceptions-to-tax-on-early-distributions\" rel=\"noopener\" target=\"_blank\">20 excepciones<\/a> que podr\u00edan aplicarse a su situaci\u00f3n, dependiendo del tipo de cuenta, el motivo y el monto del retiro. Algunas excepciones comunes son fallecimiento, discapacidad, compra de vivienda por primera vez, gastos de educaci\u00f3n superior calificados, reservista militar calificado, separaci\u00f3n del servicio despu\u00e9s de los 55 a\u00f1os y QDRO. Si cumple con una excepci\u00f3n, debe declararla en su Formulario 5329 e ingresar el c\u00f3digo de excepci\u00f3n correspondiente.<\/li>\n<li>Considere transferir su distribuci\u00f3n a otra cuenta de jubilaci\u00f3n. Si retira una distribuci\u00f3n de su cuenta de jubilaci\u00f3n, podr\u00eda transferirla a otra cuenta de jubilaci\u00f3n del mismo tipo dentro de 60 d\u00edas y evitar pagar impuestos o multas sobre la distribuci\u00f3n. Sin embargo, solo puede realizar una transferencia al a\u00f1o y no puede transferir una distribuci\u00f3n de una cuenta Roth IRA ni de una cuenta Roth designada. Tampoco puede transferir una distribuci\u00f3n que forme parte de una serie de pagos peri\u00f3dicos sustancialmente iguales. <a href=\"https:\/\/www.irs.gov\/retirement-plans\/retirement-plan-and-ira-required-minimum-distributions-faqs#:~:text=Required%20minimum%20distributions%20(RMDs)%20are,Dec.%2031%2C%202022).\" rel=\"noopener\" target=\"_blank\">distribuci\u00f3n m\u00ednima requerida<\/a>, a <a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-hardship-distributions\" rel=\"noopener\" target=\"_blank\">distribuci\u00f3n por dificultades<\/a>, o una <a href=\"https:\/\/www.irs.gov\/retirement-plans\/disaster-relief-bill-includes-retirement-plan-distribution-and-loan-options\" rel=\"noopener\" target=\"_blank\">distribuci\u00f3n calificada de desastres<\/a>. Si realiza una reinversi\u00f3n, debe informarlo en su Formulario 1040 e ingresar el monto de la reinversi\u00f3n en la l\u00ednea para reinversiones.<\/li>\n<\/ul>\n<p>Si necesita ayuda, con gusto le dar\u00e9 una mano. Como contador p\u00fablico certificado, he ayudado a innumerables contribuyentes de todo el mundo a presentar sus impuestos estadounidenses con precisi\u00f3n y puntualidad.<\/p>\n<p><a href=\"https:\/\/oandgaccounting.com\/staging\/appointment-booking-form\/\" rel=\"noopener\" target=\"_blank\">S\u00f3lo cont\u00e1ctame<\/a>, y puedo:<\/p>\n<ul>\n<li>Re\u00fana y revise todos los documentos necesarios<\/li>\n<li>Prepare sus formularios de impuestos<\/li>\n<li>Presentar sus impuestos en su nombre<\/li>\n<\/ul>\n<p>\u00a1Espero escuchar de usted!<\/p>\n<p><a href=\"https:\/\/oandgaccounting.com\/staging\/appointment-booking-form\/\" rel=\"noopener\" target=\"_blank\">Haga clic aqu\u00ed para ponerse en contacto con nosotros en cualquier momento.<\/a><\/p>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3039986354638252\"\n     crossorigin=\"anonymous\"><\/script><br \/>\n<ins class=\"adsbygoogle\"\n     style=\"display:block; text-align:center;\"\n     data-ad-layout=\"in-article\"\n     data-ad-format=\"fluid\"\n     data-ad-client=\"ca-pub-3039986354638252\"\n     data-ad-slot=\"8101689985\"><\/ins><br \/>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Saving for retirement is a long-term goal that requires discipline and patience. However, sometimes life throws you a curveball and you need to access your retirement savings before you reach the age of 59 \u00bd. Whether it is for an emergency, a major purchase, or a change of plans, taking early withdrawals from your retirement &hellip; <a href=\"https:\/\/oandgaccounting.com\/staging\/es\/early-retirement-withdrawal-trap-dont-get-burned-know-the-rule-avoid-penalties\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Early Retirement Withdrawal Trap: Don&#8217;t Get Burned &#8211; Know the Rules, Avoid Penalties!&#8221;<\/span><\/a><\/p>","protected":false},"author":1,"featured_media":4931,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Early Retirement Withdrawal Trap: Don&#039;t Get Burned - Know the Rules, Avoid Penalties! - O&amp;G Tax and Accounting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oandgaccounting.com\/staging\/es\/early-retirement-withdrawal-trap-dont-get-burned-know-the-rule-avoid-penalties\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Early Retirement Withdrawal Trap: Don&#039;t Get Burned - Know the Rules, Avoid Penalties! - O&amp;G Tax and Accounting\" \/>\n<meta property=\"og:description\" content=\"Saving for retirement is a long-term goal that requires discipline and patience. However, sometimes life throws you a curveball and you need to access your retirement savings before you reach the age of 59 \u00bd. Whether it is for an emergency, a major purchase, or a change of plans, taking early withdrawals from your retirement &hellip; Continue reading &quot;Early Retirement Withdrawal Trap: Don&#8217;t Get Burned &#8211; Know the Rules, Avoid Penalties!&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/oandgaccounting.com\/staging\/es\/early-retirement-withdrawal-trap-dont-get-burned-know-the-rule-avoid-penalties\/\" \/>\n<meta property=\"og:site_name\" content=\"O&amp;G Tax and Accounting\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-26T04:53:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-27T12:17:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/oandgaccounting.com\/staging\/wp-content\/uploads\/2023\/12\/sc-edit-3-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"682\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alex Oware\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/oandgaccounting.com\/staging\/wp-content\/uploads\/2023\/12\/sc.png\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alex Oware\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/oandgaccounting.com\/staging\/early-retirement-withdrawal-trap-dont-get-burned-know-the-rule-avoid-penalties\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/oandgaccounting.com\/staging\/early-retirement-withdrawal-trap-dont-get-burned-know-the-rule-avoid-penalties\/\"},\"author\":{\"name\":\"Alex Oware\",\"@id\":\"https:\/\/oandgaccounting.com\/staging\/#\/schema\/person\/7abb5bc95fed73694b6d4e1d516c1929\"},\"headline\":\"Early Retirement Withdrawal Trap: Don&#8217;t Get Burned &#8211; Know the Rules, Avoid Penalties!\",\"datePublished\":\"2023-12-26T04:53:35+00:00\",\"dateModified\":\"2023-12-27T12:17:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/oandgaccounting.com\/staging\/early-retirement-withdrawal-trap-dont-get-burned-know-the-rule-avoid-penalties\/\"},\"wordCount\":1432,\"publisher\":{\"@id\":\"https:\/\/oandgaccounting.com\/staging\/#organization\"},\"image\":{\"@id\":\"https:\/\/oandgaccounting.com\/staging\/early-retirement-withdrawal-trap-dont-get-burned-know-the-rule-avoid-penalties\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/oandgaccounting.com\/staging\/wp-content\/uploads\/2023\/12\/sc-edit-3-1.jpg\",\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/oandgaccounting.com\/staging\/early-retirement-withdrawal-trap-dont-get-burned-know-the-rule-avoid-penalties\/\",\"url\":\"https:\/\/oandgaccounting.com\/staging\/early-retirement-withdrawal-trap-dont-get-burned-know-the-rule-avoid-penalties\/\",\"name\":\"Early Retirement Withdrawal Trap: Don't Get Burned - Know the Rules, Avoid Penalties! 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