Originally Posted by CCBoard
I have been visiting these boards frequently and learning a lot over this time. I am 46 years old and hope to retire at 55 due to the fact that most of my retirement savings will be penalized 10% if I go sooner.
You could do a Roth conversion and wait 5 years, then you would have access to the converted amount (not earnings, just basis) without penalty at 51. Repeat every year to get a delayed stream of income.
72t is another way around the 10% penalty.