<s>[INST] Mike has $50,000 in a savings account and wants to liquidate. Is it better for him to:
Option A) Withdraw it all at one time.
Option B) Break it down into multiple small withdrawals of $100 at a time, over a period of some months.
Assuming Mike's savings account pays minimal interest, both options may lead to him getting less money, and one option could result in underpayment of his tax obligations.
Can you help identify which option is the penalty or fee richer and potentially likely to lead to bigger problems?

**Analysis and assumptions:**
1. You may assume that the interest earned on Mike's savings account is $0.
2. It's also assumed that Mike is a wage earner with a steady income, so any withdrawal will be subject to income taxation. To simplify this discussion, we may apply a flat income tax rate of 30% (note that actual tax rates are typically not flat).
3. No other income or taxes are taken into account.[/INST]