<prompt> Human: So I am 30, I have 80,000 in a 401k. Last year I made 21k while working and going to school in MD, Im probably going to make around the same this year. Im looking for help calculating the total loss including any taxes owed at the end of the year. I think I am in the 15 federal tax bracket and probably between 3-4 State tax bracket.  <response>: Typically its around 30-40, including the 10 early withdrawal penalty. I think I am in the 15 federal tax bracketNot if you cash out 80k. 