That drove me crazy when I was a stockbroker. While withdrawal at job change direct to another plan or IRA is a non issue, what would drive me up a wall was a withdrawal before age 55 1/2 because they "need" the money, usually to purchase a depreciating asset. It is not that they are diminishing their future retirement assets. Rather, it is THE MOST EXPENSIVE MONEY you can get. Even a high interest rate credit card is cheaper. For example. if below 55 1/2 and for easy math withdraw $10,000. In the middle 24% tax bracket, assuming it doesn't push you higher, $2400 is owed for taxes. Additionally, there is a 10% tax penalty based on the original withdrawal amount, or $1000. You effectively gave 34% to the government and netted $6600 of the original $10000, which probably doesn't meet your perceived need and have to take more, like closer to $15.000 to net $10,000.
While the Yalaha Bakery is a must stop midway on a 40 mile bike loop out of Mount Dora. Great German bakery with breads, pastries, and a deli all baked/prepared on site. However, next to it is the farm with pick your own blueberry field - and only two businesses in the township with a population of 1345. Just saw on the local PBS program "Central Florida Roadtrips" as they covered Lake County and featured the farm. Since this photo was taken, they have expanded the product line, re-arranging the store to now accommodate an active still with Florida's first and only moonshine license. Don't know if they give free tasting sample - like a winery in the same county - but definitely worth a daytrip.
Plus the machine I fed the paper ballots in confirmed it read everything, so now officially in the count. Looking at time stamps on the photos, from initial line to "I voted" sticker, took 1 hr 17 minutes.