Tag: roth conversion

Avoid early withdrawals in early retirement // Roth conversion ladders, IRS rule 72t Substantially Equal Periodic Payments SEPP, early retirement savings

Minimizing Early Withdrawals in Early Retirement // Hang On to As Much As You Can for Later

Some possible fighting words today, as we delve into the question of whether it makes sense to think of both taxable funds and tax-advantaged retirement funds as one big pool of money. Why does it matter? Because there are a bunch of potentially huge downsides to withdrawing traditional retirement funds early through Roth conversions or rule 72t distributions (or different approaches that exist in other countries). Fortunately, there’s another great option if you’re willing to do a little more math.