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If your cousin feels suicidal, the first thing is you need to get him help and get him to a hospital immediately. Once you get him psychiatric help he needs they will help him see that he should not be making any decisions while he is emotionally unstable.
If he refuses to go get help, as a family member who he disclosed this to, you can go to the local court and ask for an emergency commitment to a facility for mental health examination or you can call the police if you believe his threats for suicide are imminent.
Second, he should not touch his IRA because he is going to suffer a tax penalty for doing so likely up to 40-50%. Also, if he has been married one year he should not be doing anything just because his new spouse lost her SS rights from her ex husband. This actually sounds like she is playing him for the money and he should be convinced not to do so.
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