Latest / Early Retirement Roadmap
How to Tap Your IRA or 401(k) Early —NO IRS PENALTY! | Rule 72(t) Explained
Want early access to your 401(k) or IRA before age 59½ without getting slammed by the IRS 10% penalty?
In this episode, I’ll walk you through the IRS Rule 72(t)—a little-known but completely legal loophole that allows penalty-free early withdrawals through SEPP (Substantially Equal Periodic Payments). This strategy could unlock your early retirement plans—but beware, the rules are strict and the risks are serious.
✅ We’ll cover:
How IRS Rule 72(t) works with IRAs and 401(k)s
Eligibility requirements and account types
How long you must commit to fixed withdrawals
Major risks including…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.