When the CARES act was signed in March, it integrated $2.2 trillion into the United State’s economy. It also lifted the 10% tax penalty from early 401(k) and 403(b) withdrawals. Having this withdrawal penalty lifted gave reason for concern from retirement plan providers. However, to our dismay few have actually taken advantage of the waived penalty. It seems as though plan holders aim to avoid further financial complications, and who can blame them. No one wants to be stuck with an ugly bill from the IRS over a withdrawal that was unnecessary in the first place.