He pulled two hundred thousand dollars from the corporation in a single move, for a purchase that couldn't wait. The money was his. The way it came out, he didn't choose: urgency did.
The effective bill on that withdrawal was forty-seven percent. Not because he did anything wrong, but because the whole amount landed in the top bracket of the same year.
Spread over time, with a plan built before it was needed, the same money would have come out at a far lower rate. The difference wasn't luck: it was anticipation.
Urgency always pays the highest fare.
Extracting capital from a company isn't an event; it's a sequence. How much, in what form and in what year are three separate decisions, and the order among them defines the bill.