I’m 55 and am hoping to retire in a year or 2. I have about 15% of my 401k balance in Roth and I started contributing to the Roth >5 years ago. I verified that my plan allows for monthly qualified withdrawals under the rule of 55. I was hoping to break up my monthly withdrawal with 50% pre-tax and 50% from Roth to keep my income down for ACA purposes. Does anyone know if I can withdrawal from the Roth portion of my 401k before 59.5? I read that in an IRA you can withdrawal just your contributions penalty and tax free, is it the same for 401k? I called to see what my Roth basis is (contributions vs earnings) and the woman seemed pretty clueless. They should have these figures, correct? This could be a show stopper for ER if I can’t keep my income low enough for ACA subsidies. TIA