On this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with John Bowens from Equity Trust. John is an expert on the often-overlooked 72(t)t rule that could be a game-changer for early retirees.

This often misunderstood withdrawal strategy allows people under 59.5 to tap into their retirement accounts without facing the brutal 10% early withdrawal penalty that typically guards these funds. John breaks down the complex world of Substantially Equal Periodic Payments (SEPP), walking listeners through the different calculation methods, critical liquidity considerations, and smart investment strategies that can make or break a 72T IRA approach.

In this episode, you'll learn:

How to access retirement funds early with the often overlooked 72(t) rule

Avoiding 401(k) penalties and using retirement accounts to actually retire early 

The rules and regulations you MUST follow to withdraw penalty-free 

And SO Much More!

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