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Take penalty-free early withdrawals from an IRA / 401(k) before 59½ under IRS Rule 72(t). Three IRS-approved methods.
RMD method: balance ÷ life-expectancy divisor (recomputed yearly). Amortization: level payment over life expectancy at chosen rate. Annuitization: balance ÷ annuity factor. SECURE 2.0 caps the rate at max(120% of federal mid-term AFR, 5%).
No — these are projections that assume your inputs hold. Real markets and life are variable.
The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.
At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.
Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.
Immediately. The single biggest variable in retirement success is years of compounding.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026