You can access your 401k before 60. You need to do a rollover into an IRA and then after 5 years the principle is accessible. This rollover is taxable but if yo

You can access your 401k before 60. You need to do a rollover into an IRA and then after 5 years the principle is accessible. This rollover is taxable but if you are retired your tax rate can be quite low, even 0% in some states depending on income. You should be in such no-income-tax states if you plan to retire early anyways.