If I have no income and withdraw a tiny amount from 401k, how is it taxed?

I am contemplating quitting my job to start a business. I have plenty of cash, but just in case, I am considering withdrawing a small amount from my 401k each year -- if I have to. My question is, if I have ZERO income next year, and I withdraw a tiny amount (say, $5k or $10k).. I understand there is a 10% penalty for early withdrawal, but wouldn't I be taxed at the lowest tax bracket, and also, if I withdrew a small enough amount isn't is possible that I could withdraw the money for (nearly) no interest?