It's possible to make penalty-free withdrawals from a retirement account before turning 59. Here's how the strategy works.

The pre-retiree forum question keeps appearing in different forms: a 54-year-old software engineer with $1.4 million in a 401(k) wants to stop working at 55 and bridge to Social Security at 67 without ...

The scenario plays out on retirement forums almost weekly: a 50-year-old with $1.8 million in a traditional 401(k) and ...

With 2026 income limits making direct Roth contributions off-limits for high earners and the rate environment now stable, ...

If you’ve spent years maxing out a 401(k) or traditional IRA, most of your wealth may be sitting behind a wall you cannot touch without a penalty until age 59½. There is a strategy to work around that ...

Tue, March 31, 2026 at 6:52 PM UTC Let's say a couple retires at 63 with $2 million in a traditional 401(k) and has no RMDs for a decade. Their taxable income is low, and that window is the most ...

One reason is that Roth IRAs can help you save money on taxes, especially if you anticipate being in a higher tax bracket in the future. A strategy called a Roth conversion ladder can help with more ...

One of the biggest financial decisions retirees face isn't how much they've saved—it's how they withdraw that money. The order in which you tap your retirement accounts can have a major impact on your ...

Forbes contributors publish independent expert analyses and insights. Juan Carlos Medina, CFP, focuses on holistic financial wellness. This little-known Roth strategy can help high income earners save ...