401K提早領出問題 - 美國

如提，之前在美國工作有存入401K

回台灣工作已三年了，想領現金作他用途

到網路打算Cash withdral頁面上，有寫一些注意事項如下

除了會被預扣20%之外，還有可能10%提早領回的稅?

Taxes will reduce the amount you receive. Distribution subject to immediate
20% federal tax withholding, plus applicable state tax and possibly a 10%
early-withdrawal additional tax if you are under age 59½ or under age 55 and
separated from service. You may owe additional taxes when you file your
income tax return with the IRS.

但是裡面其實錢不多，就算是當年稅，應該算低收入戶(猜是免繳稅)

那預扣的20%，會再還給我嗎? 還是就拿走了

10%是隨機抽樣，抽到才要繳嗎?

請有經驗前輩可以指點迷津

感謝

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