I Want to Retire Early & Go to Rome; Can I?

Hello and welcome to Rouse Finance (the sister site of retirement planning site GCBA), your hub for financial and marketing advice. Today we’ll talk about early retirement and how you can accomplish that for yourself. So the question reads, “Hi Rouse, I’m 56 and would like to retire early and visit Rome. My husband is already retired, but I have my own personal IRA. How can I accomplish this?”

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Okay, first things first, this shouldn’t be considered professional advice, read, this is just my educational opinion. For more information on all I’m going to discuss, please speak with a financial or tax professional. With that being said, definitely, there’s an IRS stipulation called 72t, that allows for pulling from your retirement account as long as you do it through 5 substantially equal, periodic payments (also know as SEPP).

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What is a 72t Distribution & How Can I Do It?

Okay, now we’re getting into the nitty gritty of the right retirement information, early retirement that is. The 72t process can seem a little complicated, that’s why we’ve embedded a YouTube video on this page, to help describe it:

So, according to this 72t video (substantially equal periodic payments), there are three different IRS approved methods you can discuss with a financial professional that will allow you to pull from your approved IRA account without the 10% penalty. If you plan ahead correctly, it can work out perfectly.

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LinkedIn Spotlight: Phoenix SEO Expert

Hey, here’s a cool interview we scored today, with Phoenix SEO expert Bradley Barks. He’s been at this SEO marketing thing for over a decade now, and has a lot of interesting experiences to share with us, as well as business lessons.

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“Brad, what’s the biggest lesson you can teach us?” – “Well, Rouse, the biggest lesson I can teach you about market change…I mean, honestly, change is seen throughout all of life, no matter where you look, nothing stays the same. I’ve had some big experiences and successes, you could call them, in life and business, but I’ve also realized their transient, the change, adapt and you move on from them.” “It’s not like you can take yacon syrup from FitPal.com and just stay skinny forever, end of story. It takes work, consistent work.”

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