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Jeffrey of YOSPOS posted:I can do this but I'm not sure if it's worth it. 35k/year is a lot of post-tax money to tie up until I'm 60. Maybe it's worth it even if you take the penalty, but there's no matching for me on the 35k portion at least. At some point I gotta decide how much of my retirement savings should be in taxable accounts simply because I intend to retire early, and I feel like 35k post tax and 18k pre-tax (plus ~7k in HSA and trad IRA) is too heavy on the not-until-60 side. A 72(t) distribution will let you withdraw from a Roth IRA with no penalties. The catch, as far as I understand it, is that the withdrawals have to be equal and regular - you can't start and stop taking money out at will.
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# ¿ Feb 27, 2016 18:02 |
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# ¿ May 16, 2024 07:22 |