QUESTION • I'm 29 years old and have been with my current company for six years. I've accepted a new job, and I want to take money out of my old cash-balance (pension) plan and use it for a down payment on a home. We are renting. If I do this, my old employer will withhold 20 percent for federal taxes and 10 percent as a penalty for withdrawing money before retiring. How can I avoid those losses?

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