<prompt> Human: I had a MassMutual Retiresmart account automatically set up by my last employer. Because I worked so little for them last year, I had a full refund owed. So when I left for a job that pays under the table, I adjusted my withholding to keep more money up front in case I worked a few days on the books somewhere. With only 1000 in my account and having terminated my employment, Im interested in just closing it out. I know Ill be getting hit with an early withdrawal penalty. Will my withdrawal be taxed according to my current W-4 filing status?thx  <response>: Your W-4 is just an estimate of taxes owed. Your actual tax liability will be based on your income this year when you file your taxes.Yes, you will be charged based off this years tax liability if you are withdrawing early this year, not a previous years tax liability.Also a bit off topic, stop committing tax fraud. Its bad enough to lie about your taxes, but youre dealing with government-sponsored plans here. Lying to the government that sponsors them might not be the smartest idea. 