[USER]

Has anyone used Section 72t to retire early? Age 50 and thinking or using one IRA that is at $1.9MM with Section 72t. I should earn more than 5%/year, so no erosion of IRA, should still have growth and can enjoy more time with the kids.

Last year, retirement returns were 55%+. Will be less aggressive moving forward, but will have more time, so investments should be efficient.

Dividends on Retirement accounts is $220K/year and just reinvest them monthly.

Have another $2.1MM in other Roths and IRAs as well as a pension.

NW $6.5MM.

[Trevis]

I turn 55 this year and my 401k plan offers rule of 55 distributions, but not partial withdrawals.

So, I’m debating if using 72t would be better since I could spread the distributions out to help add a bit more cash during the bridge years.

We have a properly funded bridge account but pulling some from a tax differed account would take pressure off of the bridge account.

[Thomas]

I haven’t used it, so can’t help there. How much contribution do you have in your Roth to pull?

I’ve got a similar portfolio, but live off my brokerage and Roth ladder. (Gotta love crypto and YM.)

[Tristan]

Have you looked in to how much you would need to take out and if it would meet your needs?

[Steve]

What investments are in those retirement accounts that both managed to grow 55% in 2024 and produce $220k of dividends? Wow.

Usually high growth companies don’t kick out such huge dividends and the high dividend companies don’t grow as fast.

[Author]

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