Distributions before age 59½ may be allowed under the following circumstances:


If you die.
If you are totally disabled.
If you qualify for a "financial hardship" distribution. You may qualify for a financial hardship withdrawal if you need the money: (A) to pay college tuition and related educational expenses for yourself or a dependent, provided they're due within the next 12 months; (B) to make a down payment on a primary residence; (C) to pay medical expenses for you or your dependents; or, (D) to prevent foreclosure or eviction from your home.

While distributions are generally allowed for these reasons, you could still be liable for a 10 percent penalty from the IRS for early withdrawal. Depending on the hardship rules in your plan, you could have to prove that you have exhausted all other financial resources. All applicable federal, state and local income taxes are also due on the amount you withdraw.

You will not have to pay the 10 percent early withdrawal penalty if the distribution occurs for one of the following reasons:


Your death.
Your disability.
Unreimbursed medical expenses exceeding 7.5 percent of your adjusted gross income.
If you are required by court order (called a qualified domestic relations order) to give the money to your divorced spouse, a child or dependent.
If you are separated from service (through permanent layoff, termination, quitting or taking early retirement) and you're at least 55 years old when you terminate.
If you are separated from service and you have set up a payment schedule to withdraw money in substantially equal amounts over the course of your life expectancy. (Once you begin taking this kind of distribution, you are required to continue the payments for five years or until you reach age 59½, whichever is longer.)

Any money withdrawn for the above reasons would still be subject to applicable federal, state and local income taxes.

Во-вторых, я не знаю, буду ли я вообще жить в старости в Америке и если нет, каким образом я смогу получить свои деньги из 403 (b) без огромных налоговых выплат и штрафов в будущем?

А если я буду в России доживать свой век, как я получу деньги?

В-третьих, я просто не знаю, какую сумму писать. 100 долларов в месяц? 200 долларов?

BM, чтобы открыть счёт в Roth IRA в первый раз, нужно вложить миним $2500. Потом докладывать хоть по сколько, но вот первый вклад крупный. В 403b такого правила нет.