In this episode: 72t, Roth 401k’s, Roth IRA’s, The Pro Rata Rule, PUQME, HSA’s, 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, “How to Access Your Retirement Accounts Before 59.5,” 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:

Website: fitaxguy.com
Website: mullaneyfinancial.com
Twitter: @SeanMoneyandTax
YouTube: @SeanMullaneyVideos

Timestamps:

1:05 – Introduction
1:58 – Optimizing for 72t
10:25 – Roth Conversions and Premium Tax Credits
22:21 – Roth 401k and Roth IRA
27:08 – The Pro-Rata Rule
36:17 – PUQME and HSA’s
45:39 – Using Retirement Withdrawals for Education
50:40 – The Rule of 55 and Solo 401k’s
55:11 – Marriage and Taxes
61:32 – IRA and Health Insurance Premiums
64:13 – Conclusion

Resources Mentioned In Today’s Episode:

How to Access Your Retirement Accounts Before 59.5 | Sean Mullaney | ChooseFI Ep 475
Forget About Money Podcast
Accessing Retirement Accounts Prior To Age 59.5
Do You Have a Hidden Roth IRA?
Retirement topics: Exceptions to tax on early distributions
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Empower: Free Dashboard to Track Your Finances
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CashFreely: Maximize Your Cash Back Rewards
Travel Freely: Track all your rewards cards and points
Emergency Binder: For Your Family’s Essential Info (code ‘CHOOSEFI’ for 20% off)
Student Loan Planner: Custom Consult (with $100 Discount)
Get a cheaper phone plan with Mint Mobile

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

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