Or can the trust combine them and either A) accept the distribution and pay the tax, or B) split them equally between 12 beneficiaries?

I recently switched companies & I am cashing out my 401k. Its done, so I don’t want to hear about it being a bad decision. I am just curoius how long to expect to wait for the check. Can it be direct depoited? Would that speed it up? Does anyone have experience with this?

I have $10,000 in a traditional IRA and I want to buy my first house this summer. The $10,000 would help me with pulling together enough money for a down payment. I would like to use it for this, but I don’t want to have to pay a penalty for an early withdrawal. I am 32 years old. Any advice?

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