@Linkat,
10% means, there will be deduction of $3,000 and that will leave me with $27,000.
Fidelity can explain 10% penalty thing, but not tax related and I am also not familiar with this. That is the reason, I am looking for a fair idea, how much tax would be deducted from rest of $27,000.
I am in Washington, where we don't pay state tax, if that matters.