Retire at 50..Without Paying a Dime in Penalties or Taxes
The Personal Finance Podcast
Rule 72(t) (SEPP): Set Up Substantially Equal Periodic Payments
Andrew explains SEPP methods, rigid withdrawal commitments, calculation options, and when 72(t) is appropriate for steady income.
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In this episode of The Personal Finance Podcast, Andrew breaks down the five powerful strategies that let you retire at 50 without losing money to penalties or surprise taxes—from building a taxable brokerage account that serves as your early retirement bridge, to unlocking a Roth IRA conversion ladder that creates tax-free income, using the Rule of 55 to access your 401(k) years earlier than you thought possible, turning your IRA into a steady paycheck with the 72(t) rule, and leveraging Roth contributions plus HSA strategies as your secret backup plans, showing you exactly how to layer these accounts together so you can retire on your terms, penalty-free, tax-efficient, and without waiting until 59½.
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