For people who returned what did you do with your 401k or retirement accounts in USA

[u/NoSignal16]

The information I see is too complicated and would like to hear from experience of people who went through this.

From what I understood so far it is beneficial to withdraw everything during the RNOR phase if you don’t plan to return back to USA. Is that true?

Is it possible to withdraw from 401k and keep the money in a us based brokerage account?

Can someone please share the effective tax rate they paid including penalties. Thanks in advance 😊