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How Early Retirees Use a 72t SEPP for Penalty-Free IRA Access
Episode 144 of The Financial Freedom Podcast explores a powerful but often overlooked strategy for early retirees: the 72(t) Substantially Equal Periodic Payment (SEPP) plan. Lucas and Luna break down how this IRS rule allows penalty-free withdrawals from traditional IRAs and 401(k)s before age 59½. They compare the three calculation methods — fixed amortization, fixed annuitization, and required minimum distribution — and discuss the risks of locking into a rigid payment schedule. Listeners will learn how SEPPs stack up against Roth conversion ladders, and why they might be the right move…
The skinny
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