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Can I Use My Retirement Money if I Have a Baby?

The Secure Act 2.0 was passed in December 2022 and made a lot of changes to what you can do with your retirement money. The first Secure Act in 2020 allowed for a $5000 penalty-free hardship distribution for the birth or adoption of a new child.   Section 311 of Secure 2.0 allows you to take the distribution and allows you to pay it back over 3 years.  

 You Can Pay It Back

Why this is important: It encourages you to keep your retirement money for retirement and not use it for emergencies and life changes. It allows you to ‘borrow’ it and pay it back to yourself without any penalty. But, with all things tax, you need to read the fine print. 

Technically a Rollover 

The IRS code section 72(t)(2)(H)(v)(I) (No, I’m not making that up.) says that hardship withdrawals for a new child are treated like a rollover. A ‘rollover’ is where you can take money out of retirement and put it back within 60 days. This allows you to move your money around and then invest however and wherever you please.  

A hardship distribution for a new child should be treated as a rollover, but with three years to pay it back instead of only 60 days. Note that I said ‘should be.’ Employers may or may not be familiar with the new law and may not issue your 1099R tax statement correctly. It should be marked as a rollover (Code G in Box 7), no taxes withheld and no taxes due when you file in the Spring. If it is marked otherwise, see a tax professional or consult with the sender.  

Distributions are Income 

If you take a distribution, it is income. The money in your retirement was never taxed, so when you take it out, you have to pay income tax. Secure 2.0 allows you to pay your distribution back over 3 years. No penalties are incurred, and you don’t have to pay the tax until you retire.  

What happens if you don’t pay it back? You are taxed on what was not paid back at the end of the three years. It will add the $5000 income to the final year.  

Tax will be due April of the 4th year after you take it out. That means, if you take money out in 2024, you will need to pay it back or pay the taxes by April 2027. If you don’t remember, the IRS will certainly ask you about it a few years later.  Keep good records. You need to be able to prove that it was paid back. Or you need to show that you paid the tax if you are not paying it back. Confused? Download my Audit Proof Worksheet and build a permanent record of all related transactions that will stand up to any audit. 

Additional income can affect your overall tax situation. Eligibility for Earned Income Credit, Education Credits, how much of your Social Security is taxable, the price of your Marketplace health insurance, and more can all change if you have more income. You need to consider all the tax implications of having additional income if you decide to pay the taxes. 

How to ‘Pay Back’ Retirement Money

If you took money from an IRA, you simply put it back anytime within the next three years. 

If you took money from an employer 401k plan, you cannot directly pay it back to your employer. It is not an employer loan. You can, however, open a traditional IRA and then make ‘rollover’ contributions up to the original $5000 over the next 3 years. This is ‘paying it back’ into your retirement so you are not paying taxes on the money or reporting it as additional income.   You need to inform the bank that you are making a self-rollover contribution.

 

Final Note 

The qualifying withdrawal cannot be made until after the baby is born or the adoption is finalized. You cannot take the money out ahead of time.

Don’t forget to download my Audit Proof Worksheet to track and document your withdrawal, payback, and taxes paid on your withdrawal for a new child.

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  99. I have discovered that rates for on-line degree specialists tend to be an excellent value. For instance a full Bachelor’s Degree in Communication from The University of Phoenix Online consists of 60 credits from $515/credit or $30,900. Also American Intercontinental University Online gives a Bachelors of Business Administration with a total education course requirement of 180 units and a cost of $30,560. Online degree learning has made getting your certification been so detailed more than before because you may earn your current degree from the comfort in your home and when you finish from work. Thanks for all the tips I’ve learned through the site.

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  105. I have observed that over the course of constructing a relationship with real estate owners, you’ll be able to come to understand that, in every single real estate exchange, a payment is paid. In the end, FSBO sellers tend not to “save” the percentage. Rather, they struggle to win the commission through doing a strong agent’s task. In the process, they shell out their money and also time to carry out, as best they are able to, the responsibilities of an representative. Those obligations include displaying the home by way of marketing, showing the home to willing buyers, creating a sense of buyer emergency in order to make prompt an offer, booking home inspections, taking on qualification inspections with the bank, supervising fixes, and aiding the closing.

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  116. Good blog post. A few things i would like to add is that laptop or computer memory must be purchased if your computer is unable to cope with everything you do with it. One can install two RAM boards with 1GB each, by way of example, but not certainly one of 1GB and one with 2GB. One should make sure the maker’s documentation for own PC to be sure what type of storage is essential.

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  120. One other thing to point out is that an online business administration diploma is designed for college students to be able to well proceed to bachelor degree programs. The Ninety credit education meets the lower bachelor college degree requirements and when you earn the associate of arts in BA online, you should have access to the newest technologies in this particular field. Some reasons why students want to be able to get their associate degree in business is because they may be interested in this area and want to receive the general knowledge necessary before jumping right bachelor education program. Many thanks for the tips you really provide with your blog.

  121. Thanks for your short article. I would also love to say that your health insurance dealer also works for the benefit of the particular coordinators of the group insurance policies. The health insurance professional is given a summary of benefits looked for by a person or a group coordinator. Exactly what a broker can is find individuals or coordinators which in turn best fit those demands. Then he offers his advice and if the two of you agree, the particular broker formulates an agreement between the 2 parties.

  122. Thanks for your article. I also believe laptop computers have grown to be more and more popular today, and now will often be the only sort of computer used in a household. The reason is that at the same time that they’re becoming more and more affordable, their processing power is growing to the point where there’re as robust as pc’s from just a few years back.

  123. I have seen plenty of useful factors on your internet site about computer systems. However, I’ve got the judgment that netbooks are still more or less not powerful adequately to be a wise decision if you frequently do things that require plenty of power, just like video modifying. But for world-wide-web surfing, word processing, and quite a few other popular computer functions they are just fine, provided you cannot mind your little friend screen size. Thank you for sharing your notions.

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  130. One thing I’d like to say is that often before purchasing more laptop or computer memory, look at the machine into which it can be installed. When the machine will be running Windows XP, for instance, the actual memory threshold is 3.25GB. Putting in greater than this would simply constitute some sort of waste. Make sure that one’s mother board can handle this upgrade volume, as well. Thanks for your blog post.

  131. These days of austerity along with relative anxiety about getting debt, lots of people balk about the idea of utilizing a credit card in order to make acquisition of merchandise or perhaps pay for a holiday, preferring, instead only to rely on this tried plus trusted way of making settlement – raw cash. However, if you’ve got the cash on hand to make the purchase completely, then, paradoxically, that’s the best time to be able to use the credit cards for several motives.

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  133. Greetings! Quick question that’s totally off topic. Do you know how to make your site mobile friendly? My site looks weird when browsing from my iphone 4. I’m trying to find a template or plugin that might be able to resolve this problem. If you have any suggestions, please share. Appreciate it!

  134. Do you mind if I quote a few of your articles as long as I provide credit and sources back to your blog? My blog is in the exact same area of interest as yours and my users would definitely benefit from a lot of the information you present here. Please let me know if this ok with you. Regards!

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  137. Hi! I know this is somewhat off topic but I was wondering which blog platform are you using for this website? I’m getting sick and tired of WordPress because I’ve had issues with hackers and I’m looking at options for another platform. I would be fantastic if you could point me in the direction of a good platform.

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