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Story5 Steps

Early Retirement Access

SEPP/72(t), early withdrawal impact, Roth conversion, plan borrowing, and beneficiary RMD — access retirement funds before 59½

IRS, SSA, Fidelity, Vanguard, Kitces2026-03-03
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How do penalty-free 72(t) payments work?

72(t) is the penalty-free escape hatch. But it's a one-way door — you can't stop or change the amount easily.