Podcasts Business Careers ChooseFI Answering Your Questions on How to Access Money Before 59.5 | Sean Mullaney

Answering Your Questions on How to Access Money Before 59.5 | Sean Mullaney

Published: May 13, 2024, 5 a.m.

In this episode: 72t, Roth 401k\u2019s, Roth IRA\u2019s, The Pro Rata Rule, PUQME, HSA\u2019s, Retirement and Education, and Roth Conversions.

In one of our faster update episodes ever, friend of the show Sean Mullaney re-joins Brad to follow up on the episode we published back in February,\xa0\u201cHow to Access Your Retirement Accounts Before 59.5,\u201d as well answer some of the questions our community had around the subject. We in the FI community know that retiring is an option way sooner than we were originally led to believe, so listen along as Brad and Sean shed some light on ways you could potentially access your retirement savings before facing the edge of your golden years.

Sean Mullaney: Timestamps:
  • 1:05 \u2013 Introduction
  • 1:58 \u2013 Optimizing for 72t
  • 10:25 \u2013 Roth Conversions and Premium Tax Credits
  • 22:21 \u2013 Roth 401k and Roth IRA
  • 27:08 \u2013 The Pro-Rata Rule
  • 36:17 \u2013 PUQME and HSA\u2019s
  • 45:39 \u2013 Using Retirement Withdrawals for Education
  • 50:40 \u2013 The Rule of 55 and Solo 401k\u2019s
  • 55:11 \u2013 Marriage and Taxes
  • 61:32 \u2013 IRA and Health Insurance Premiums
  • 64:13 \u2013 Conclusion
Resources Mentioned In Today\u2019s Episode: More Helpful Links and FI Resources: