If you're thinking about retiring before 59½, you've probably assumed your 401(k) is locked up. Not always.

Nick unpacks the Rule of 55, a lesser-known provision that can allow penalty-free withdrawals from certain employer retirement plans starting at age 55. But like most tax rules, the opportunity comes with caveats. Used correctly, the Rule of 55 can create flexibility. Used carelessly, it can limit your options.

Here's what we discuss in this episode:

📘 Rule of 55: Penalty-free access explained

👥 Who Benefits: Early retirees with 401(k)s

⚠️ Limitations: Plan rules and restrictions

🧾 Tax Strategy: Income timing matters

📬 Mailbag Q&A: Roth, Medicare, estate planning

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