Budgeting Software/Ways to reduce tax liability?

Budgeting Software/Ways to reduce tax liability? So I recently (last week) withdrew from a previous employer 401K in order to pay off 3 high interest student loans. I had tried to refinance them (multiple times) to no avail. I did the math and the interest I would have paid over the life of the loans would have been more than the tax penalty. I had around 45% of the withdrawal amount held, 35%...

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