Disclaimer: I created https://fiers.co https://fiers.co (financial independence site) My focus has been on financial independence instead of needing emergency

Disclaimer: I created https://fiers.co https://fiers.co (financial independence site) My focus has been on financial independence instead of needing emergency funds (for which retirement accounts should be a last resort). I wish more people understood just how feasible financial independence is and the different strategies of how to invest money to reduce tax burdens. The IRS rule 72(t) that is mentioned in this article is one of those. I don't believe many people understand that you can access your retirement accounts tax free. In a FI/RE (financial independence/retire early) sense - these are strategies you plan ahead for and when the time comes you execute on that plan and it could very well be to start tapping into your retirement account consistently before you get to retirement age. Here's an overview of the model that's used on fiers.co - https://fiers.co/article/how-it-works https://fiers.co/article/how-it-works