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Avoiding state income tax GA -> TN

I know someone moving from GA to TN. They are selling their home, and upgrading by about $200k. They are exploring the idea of pulling money out of retirement to cover the delta - effectively paying cash.

In order to avoid paying GA state income tax on the money withdrawn from retirement (no tax shelter), could they use a bridge loan until they are technically residents of TN, then withdraw the money and pay it all off? This saves them 5% ($10k) before bridge loan costs.

Or is the bridge loan even necessary, just withdraw and claim it as a resident of TN? Or is there another creative financial instrument here that can help?

submitted by /u/MSchroedy
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source https://www.reddit.com/r/RealEstate/comments/1sz7v7o/avoiding_state_income_tax_ga_tn/
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