{"podcast":{"title":"Money Girl","slug":"money-girl-689731","podcast_index_feed_id":689731,"rss_url":"https://feeds.acast.com/public/shows/69c148bb1a160b44db9c8fcc","website_url":"https://www.quickanddirtytips.com/","image_url":"https://assets.pippa.io/shows/69c148bb1a160b44db9c8fcc/1774970200129-f6b38ffd-b4dc-400d-92fd-612f7f06a27f.jpeg","author":"Macmillan Holdings, LLC","episode_count":1033,"summary":"Laura Adams provides short and friendly personal finance, small business, real estate, and investing tips to help you live a richer life. Whether you're just starting out or are already a savvy investor, Money Girl's advice will point you in the right direction. Hosted on Acast. See acast.com/privacy for more information.","last_synced_at":"2026-07-26T08:20:28.071144+00:00","page_url":"https://stenobird.com/podcast/money-girl-689731"},"episode":{"title":"4 ways to fund an early retirement penalty-free","slug":"4-ways-to-fund-an-early-retirement-penalty-free","published_at":"2026-06-03T09:00:00+00:00","page_url":"https://stenobird.com/podcast/money-girl-689731/4-ways-to-fund-an-early-retirement-penalty-free","show_page_url":"https://stenobird.com/podcast/money-girl-689731","url":"https://shows.acast.com/money-girl/episodes/4-ways-to-fund-an-early-retirement-penalty-free","audio_url":"https://sphinx.acast.com/p/open/s/69c148bb1a160b44db9c8fcc/e/6a19daa449418f56c4356acf/media.mp3","summary":"1024. Are you ready to quit working or to begin a financially independent lifestyle? Laura covers four ways to access your retirement funds without paying a hefty 10% early withdrawal penalty before 59.5.  Key takeaways Using a tax-advantaged retirement account has many benefits, but one downside is typically paying a 10% penalty for withdrawals before age 59.5. The rule of 55 is an IRS rule that allows employees to take penalty-free retirement plan distributions when they leave during or after the calendar year of their 55th birthday. With a Roth IRA, you can withdraw your original contributions at any age, for any reason, entirely tax- and penalty-free.  A SEPP or 72(t) payment plan is an IRS rule that allows you to take equal distributions from a retirement account penalty-free, no matter your age, if you follow strict guidelines.  A brokerage account allows you to take distributions penalty-free, no matter your age, but doesn’t offer the tax perks of a retirement account. Upcoming Wedding Series Coming Up: We want your questions about wedding finances! Whether you're the bride, groom, or a guest, send us your questions about budgeting for the big day. Email: money@quickanddirtytips.com or leave a voicemail: (302) 364-0308.  Discover more from Money Girl! Facebook Newsletter Transcripts available at QuickandDirtyTips.com . Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.","meta_description":"1024. Are you ready to quit working or to begin a financially independent lifestyle? Laura covers four ways to access your retirement funds without paying…","key_points":[],"chapters":[],"topics":[],"duration_seconds":704,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/money-girl-689731/episodes/4-ways-to-fund-an-early-retirement-penalty-free/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/money-girl-689731/4-ways-to-fund-an-early-retirement-penalty-free.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}