The best counter: Allow a one-time withdrawal of $100k TAX FREE! The ‘offer’ has to be done during election season.
If I remember right IRA’s haven’t been round that long. Began with $2k limit yearly. How does one end up with that much? Pretty smart and legal. No one else is entitled to mine. Most of it came as 401k b4 a rollover in retirement. A $100k with drawl(TAX FREE) would show the rest how it’s done.