What happens if you withdraw either a 401K or iRA early?

Generally, taking an early withdrawal from a qualified retirement account — that is, cashing out either of those accounts before age 59½ — results in a 10 percent penalty. In addition, you'll also need to pay income taxes on the distribution itself. However, not all cash-outs are the same,

in this scenario it would be the consumer demand as most influential in making the decision. the band members need to figure out where and from whom they will make the most money, in other words who out of the two consumer groups - football fans or car drivers - will spend their money, who is more likely to contribute to their cause and buy what they are offering.