Episode #254: I’d Like to Retire at 55. How Can I Access My Retirement Without Paying Penalties or Touching my Roth Accounts?

It’s been an interesting few weeks in the markets since President Trump’s inauguration. A Chinese company produced an AI chatbot that performs as well as U.S. competitors at a fraction of the cost. Nvidia’s stock lost 17% the following day after the company published its work, confirming the threat to Nvidia’s business model. We cover an article highlighting what this all means, review the outperformance of non-U.S. equities, and answer a listener question about whether they can retire early without having to touch their Roth accounts in this episode of Grow Money Business.

Show Notes

[01:53] Market Update – Market changes since the inauguration of the 47th president of the USA.

[06:33] Article of the Week – Herb Greenberg’s article on DeepSeek.

[13:20] Early Distribution Penalties – Grant explains the rules for withdrawing from Roth and 401(k) accounts without penalties.

[18:31] Substantially Equal Periodic Payments (SEPP) – Grant explains why SEPP is the most appealing option for avoiding penalties.

 

Resources

Best Part of the DeepSeek Story

substack.com/@herbgreenberg/p-155921309