I have 85 thousand in a sep account.. I have bills totalling about 40 thousand... in a realesatate investment... how much money do I lose out on.. if I withdraw it all... I am only 50... I really don't care that much.. about losing some of it.. but must generate.. about 40 to 50 thousand for immediate cash flow... so how much do I lose??

For $85K, a total withdrawal will generate AT LEAST a 33% tax liability, and probably more like 40%, depending on other income amounts.