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👉 Econ 101: “Why Using Your 401(k) for a Down Payment Could Cost You Your Future”
Can you really use your 401(k) to buy a house — and would that actually make housing more affordable?
There’s growing discussion around a proposal tied to Donald Trump that would allow Americans to tap their 401(k) retirement savings for a home purchase, potentially without early withdrawal penalties. On the surface, it sounds helpful. But Econ 101 tells us the second-order effects matter.
In this show Kevin Thompson, CFP®, EA, RICP®, founder of 9i Capital Group explains how this would actually work from a tax perspective, how it compares to first-time homebuyer IRA rules, and why increasing access to retirement money could ultimately push home prices higher.
You’ll learn:
▶️ How 401(k) withdrawals are taxed (penalty vs taxable income)
▶️ Why housing affordability is more about price than interest rates
▶️ How increased demand impacts home values
▶️ The long-term risk of pulling from retirement accounts
This is financial education — not political commentary.
đź‘Ť Like, subscribe, and share if this helped you think differently.
Full video:https://youtu.be/ptT9MlsmO5I
NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page
Follow Us: youtube: / @9icap
Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp
Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4
Website: http://www.9icapitalgroup.com
Hit the subscribe button to get new content notifications.
Disclosure: https://sites.google.com/view/9idisclosure/disclosure
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By Kevin Thompson, RICP®, CFP®Can you really use your 401(k) to buy a house — and would that actually make housing more affordable?
There’s growing discussion around a proposal tied to Donald Trump that would allow Americans to tap their 401(k) retirement savings for a home purchase, potentially without early withdrawal penalties. On the surface, it sounds helpful. But Econ 101 tells us the second-order effects matter.
In this show Kevin Thompson, CFP®, EA, RICP®, founder of 9i Capital Group explains how this would actually work from a tax perspective, how it compares to first-time homebuyer IRA rules, and why increasing access to retirement money could ultimately push home prices higher.
You’ll learn:
▶️ How 401(k) withdrawals are taxed (penalty vs taxable income)
▶️ Why housing affordability is more about price than interest rates
▶️ How increased demand impacts home values
▶️ The long-term risk of pulling from retirement accounts
This is financial education — not political commentary.
đź‘Ť Like, subscribe, and share if this helped you think differently.
Full video:https://youtu.be/ptT9MlsmO5I
NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page
Follow Us: youtube: / @9icap
Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp
Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4
Website: http://www.9icapitalgroup.com
Hit the subscribe button to get new content notifications.
Disclosure: https://sites.google.com/view/9idisclosure/disclosure