Retiring early
How do I reach my money before 59½?
Start here
Money before 59½It lays the three routes side by side against your accounts, so you know which page to open next.
- Money before 59½
Which routes fit your accounts, side by side.
- Rule of 55
No 10% additional tax on the 401(k) of the job you leave in or after the year you turn 55; income tax still applies.
- 72(t) calculator
A series of IRA payments before 59½, set by an IRS method and kept up for five years or to 59½, whichever is later.
- Roth conversion ladder
Converting each year so each conversion can come out after five tax years.
Sources: IRC §72(t)(2)(A)(i); IRC §72(t)(1); IRC §72(t)(2)(A)(v); IRC §72(t)(4)(A); IRC §408A(d)(3)(F); Treas. Reg. §1.408A-6 Q&A-5.