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What changes to Roth vs 401k contributions should I consider making if the current payroll tax cut idea becomes a reality? If my payroll taxes go to zero, it would make sense contribute to post-tax retirement accounts only because it would end up being the same amount in, with better tax...

I listened to a podcast recently and got the impression that there was a way that 401k/Roth funds were available before 59 1/2. Is that correct? I am close to maxing out my retirement contributions each year, but haven't because the availability of the money for use at any age is appealing. It...