My wife and I wanted to get more serious about our retirement investments this year and plan to put 4K each into Roths and 15% of my salary into 401K. Here's a dumb question: If we are lucky enough to retire a bit early, can we withdraw money from the Roths without having to pay penalties? If not, should we take some of our investment money and put it into mutual funds or other investments that we can live on before 59-1/2? I am 30 and my wife is in her 20's.
Thanks you for your help.
Thanks you for your help.