{"id":7067010,"date":"2026-09-25T22:12:05","date_gmt":"2026-09-25T22:12:05","guid":{"rendered":"https:\/\/som2nypost.com\/business\/finance\/the-early-retirement-withdrawal-checklist\/"},"modified":"2026-09-25T22:12:05","modified_gmt":"2026-09-25T22:12:05","slug":"the-early-retirement-withdrawal-checklist","status":"publish","type":"post","link":"https:\/\/som2nypost.com\/?p=7067010","title":{"rendered":"The Early Retirement Withdrawal Checklist"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><em>Don\u2019t miss an episode of our podcast,\u00a0<strong>Personal Finance for Long-Term Investors<\/strong>. Available on all podcast players. <\/em><\/p>\n<p class=\"wp-block-paragraph\">Here\u2019s the latest episode: <\/p>\n<p><iframe loading=\"lazy\" allow=\"autoplay *; encrypted-media *; fullscreen *; clipboard-write\" frameborder=\"0\" height=\"160\" width=\"640\" style=\"width:100%;max-width:640px;overflow:hidden;border-radius:12px;\" sandbox=\"allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation\" src=\"https:\/\/embed.podcasts.apple.com\/us\/podcast\/fire-early-retirement-misconceptions-ama-e152\/id1553180943?i=1000791220820\"><\/iframe><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div>\n<\/div>\n<p class=\"wp-block-paragraph\">In <a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/fire-early-retirement-misconceptions-ama-e152\/id1553180943?i=1000791220820\">Episode 152<\/a> of my podcast, I alluded to a \u201cearly retirement withdrawal checklist.\u201d Here it is in written form.<\/p>\n<p class=\"wp-block-paragraph\">We\u2019ll divide the list into two parts: <\/p>\n<ol class=\"wp-block-list\">\n<li>The bare-bones, simple ideas that <em>probably <\/em>feel like common sense to most people.<\/li>\n<li>The more complex strategies that many of you might have probably heard of \u2013 or not. Or you\u2019ve heard of them, but can\u2019t explain them. You might not know the details of this second tier. <\/li>\n<\/ol>\n<h2 class=\"wp-block-heading\">Tier 1 \u2013 The Basics of Early Retirement Withdrawals<\/h2>\n<p class=\"wp-block-paragraph\">This first tier is so basic that you could explain it to someone who knows nothing about personal finance, and they would understand everything on this list. <\/p>\n<h4 class=\"wp-block-heading\">Cash Accounts<\/h4>\n<p class=\"wp-block-paragraph\">First things first, start spending extra cash. If you have one or two years\u2019 expenses in cash, that\u2019s a very common thing to live off of in early retirement. <\/p>\n<h4 class=\"wp-block-heading\">Taxable Brokerage Withdrawals<\/h4>\n<p class=\"wp-block-paragraph\">Sell some shares, pay some long-term capital gains on the gains portion of it, live off the proceeds. <\/p>\n<p class=\"wp-block-paragraph\">Your taxable brokerage account is <strong>time-flexible<\/strong>. It\u2019s not tied to any specific withdrawal ages. <\/p>\n<h4 class=\"wp-block-heading\">Dividends and Interest<\/h4>\n<p class=\"wp-block-paragraph\">Your taxable accounts create an income stream through interest and dividends. <\/p>\n<p class=\"wp-block-paragraph\">Rather than reinvesting those dollars, you should live off them. These are likely the <em>first <\/em>dollars that come out of your brokerage account.\u00a0<\/p>\n<h4 class=\"wp-block-heading\">Side Income \/ Part-Time Work<\/h4>\n<p class=\"wp-block-paragraph\"><em>\u201cThat\u2019s not retirement!! You\u2019re still working!!\u201d <\/em><\/p>\n<p class=\"wp-block-paragraph\">I get it. Some folks see a \u201cpart-time retirement job\u201d as an oxymoron. <\/p>\n<p class=\"wp-block-paragraph\">But others think about \u201cbarista FIRE\u201d or \u201c<a href=\"https:\/\/www.youtube.com\/watch?v=NTcYHvQN0AA\">coast FIRE<\/a>\u201d as reasonable retirement scenarios. These scenarios often involve an employment income stream <em>and<\/em> the simultaneous time-flexibility of retirement. <\/p>\n<p class=\"wp-block-paragraph\">A little bit of income can go a <em>long <\/em>way in early retirement. <\/p>\n<h4 class=\"wp-block-heading\">Rental Real Estate (and Other \u201cPassive\u201d Business Income)<\/h4>\n<p class=\"wp-block-paragraph\">Do you own assets or business(es) that let you \u201cstep back\u201d from day-to-day management while still collecting revenue? <\/p>\n<p class=\"wp-block-paragraph\">If so, that\u2019s a great way of funding your early retirement years. <\/p>\n<h2 class=\"wp-block-heading\">Tier 2 \u2013 More Complex Ideas<\/h2>\n<p class=\"wp-block-paragraph\">Tier 1 seems like common sense. <\/p>\n<p class=\"wp-block-paragraph\">Most people \u2013 whether they care about personal finance or not \u2013 understand how to live off cash, flexible investments, real estate assets, etc. <\/p>\n<p class=\"wp-block-paragraph\">But now we get to the \u201cfun\u201d part. The weird, nuanced, corner case, esoteric ideas that simply aren\u2019t common sense. <\/p>\n<p class=\"wp-block-paragraph\">These are the types of strategies that even many financial advisors and accountants aren\u2019t entirely familiar with. <\/p>\n<h4 class=\"wp-block-heading\">Roth IRA Contribution Withdrawals<\/h4>\n<p class=\"wp-block-paragraph\">This applies to <em>contributions<\/em>. Not earnings. That distinction is vital. <\/p>\n<p class=\"wp-block-paragraph\">Your Roth IRA contributions (not earnings!) can be withdrawn at any time, tax-free and penalty-free. I could do it right now at age 36. I could empty my entire Roth IRA of the contributions (not the earnings!), tax-free and penalty-free. <\/p>\n<p class=\"wp-block-paragraph\">People often use this in early retirement.\u00a0<\/p>\n<h4 class=\"wp-block-heading\">Roth IRA Conversion Ladder<\/h4>\n<p class=\"wp-block-paragraph\">In concert with Roth IRA contribution withdrawals comes the Roth conversion ladder. <\/p>\n<p class=\"wp-block-paragraph\">When you convert dollars from your Traditional accounts (Traditional IRA, for example) into a Roth IRA, it starts a five-year clock. After those five years, you can withdraw the converted amount from your Roth IRA penalty-free.<\/p>\n<p class=\"wp-block-paragraph\">In other words, for those first five years, that conversion isn\u2019t treated quite the same as a contribution. Remember, you can withdraw contributions at any time. But for conversions, there\u2019s a 5-year \u201cseasoning\u201d period. <em>This only applies to when the account owner is younger than 59.5! <\/em><\/p>\n<p class=\"wp-block-paragraph\">A Roth conversion ladder involves a series of conversions, year over year, where you\u2019re looking five years into the future and saying,<em> \u201cThat\u2019s when I\u2019m going to withdraw this year\u2019s converted dollars.\u201d<\/em> <\/p>\n<p class=\"wp-block-paragraph\">You pay taxes on the conversions, but no early withdrawal penalties. <\/p>\n<h4 class=\"wp-block-heading\">Substantially Equal Periodic Payments (SEPP) \u2013 or, Rule 72(t)<\/h4>\n<p class=\"wp-block-paragraph\">Next are substantially equal periodic payments (SEPP), otherwise known as Rule 72(t). <\/p>\n<p class=\"wp-block-paragraph\">This allows you to withdraw money from your Traditional IRA or 401 (k) penalty-free. You still have to pay taxes, but the withdrawals are penalty-free. <\/p>\n<p class=\"wp-block-paragraph\">SEPP \/ 72(t) requires you to follow an <a href=\"https:\/\/www.irs.gov\/retirement-plans\/substantially-equal-periodic-payments\">IRS-calculated withdrawal schedule<\/a> for at least five years or until age 59.5, whichever is longer. So if you\u2019re 45 years old, you\u2019d be committing to a 14+ year withdrawal schedule. If you\u2019re 57, you\u2019d commit to a 5 year withdrawal schedule. <\/p>\n<p class=\"wp-block-paragraph\">You follow these IRS calculations year over year to determine how much you must withdraw. Once you commit, you have to follow through. Otherwise, the IRS can count the entire process as early withdrawals subject to penalty. Once you commit, you\u2019ve got to follow through. <\/p>\n<p class=\"wp-block-paragraph\">This might sound a little scary. One strategy that works well is to intentionally set aside only a <strong><em>small <\/em><\/strong>portion of your overall IRA assets in a second, third, etc. IRA account. You\u2019d then use the SEPP\/72(t) on that smaller sub-account. That way, you\u2019re only \u201clocking\u201d yourself into the periodic payments using a fraction of your IRA assets.\u00a0<\/p>\n<h4 class=\"wp-block-heading\">The Rule of 55<\/h4>\n<p class=\"wp-block-paragraph\">The Rule of 55 states that if you leave a job in the year you turn 55 or after you\u2019re already 55, you can withdraw assets from that employer\u2019s 401(k) or 403(b) penalty-free.<\/p>\n<p class=\"wp-block-paragraph\">Again, you still have to pay the income taxes. You can\u2019t get out of the taxes, but you don\u2019t have to pay the 10% early penalty.<\/p>\n<p class=\"wp-block-paragraph\">The nuance or \u201cgotcha\u201d here involves rolling over your 401(k) to an IRA. If you roll over your 401(k) into an IRA, you sacrifice the ability to use the Rule of 55. <em><strong>To use the Rule of 55, the assets must stay in the employer 401(k) or 403(b).<\/strong><\/em> <\/p>\n<h4 class=\"wp-block-heading\">457 Accounts<\/h4>\n<p class=\"wp-block-paragraph\">If you have a 457 plan, which is usually a governmental type of retirement plan, there\u2019s <em>no age<\/em> <em>limit <\/em>on withdrawals from that plan. <\/p>\n<p class=\"wp-block-paragraph\">Once you leave your job, you can access those funds penalty-free.\u00a0<\/p>\n<h4 class=\"wp-block-heading\">HSA Reimbursement \/ \u201cPUQME\u201d<\/h4>\n<p class=\"wp-block-paragraph\">This is one of my favorites. The simple process is: <\/p>\n<ul class=\"wp-block-list\">\n<li>You save money in an HSA account throughout your life. <\/li>\n<li>You pay medical expenses <strong>out of pocket<\/strong> along the way. <\/li>\n<li>You save the receipts. <\/li>\n<li><em><strong>Then, in early retirement, you reimburse your saved receipts using the HSA dollars. <\/strong><\/em><\/li>\n<\/ul>\n<p class=\"wp-block-paragraph\">This occurs 100% tax-free, which is fantastic, meaning that you can use your tax space for other purposes in early retirement.<\/p>\n<p class=\"wp-block-paragraph\">You might have heard this called, \u201cPUQME\u201d \u2013 previously unreimbursed qualified medical expenses. This is a great arrow to have in your early retirement quiver.<\/p>\n<h4 class=\"wp-block-heading\">Deferred Compensation Plans<\/h4>\n<p class=\"wp-block-paragraph\">Some employers allow higher earners to defer their salary or bonuses to a specific future payout date. If you have access to one of these deferred comp plans, it is a great way to bridge your early retirement years by moving income away from your highest-earning\/highest-tax years. <\/p>\n<h4 class=\"wp-block-heading\">Loans (!)<\/h4>\n<p class=\"wp-block-paragraph\">These next two might raise a few eyebrows. It\u2019s a home equity line of credit (HELOC) or a securities-backed line of credit, or essentially a margin loan. <\/p>\n<p class=\"wp-block-paragraph\">The idea is that you borrow against your house or your taxable portfolio to establish a line of credit.<\/p>\n<p class=\"wp-block-paragraph\">Very specifically here, these are <strong>optional <\/strong>lines of credit. You don\u2019t have to use them. You\u2019re just setting them up. It\u2019s different than a full-on loan where you are absolutely borrowing the money. You might never use the line of credit, but it\u2019s a good thing to establish as an optional bridge that can give you temporary liquidity.\u00a0<\/p>\n<h4 class=\"wp-block-heading\">Ask Mom and Dad (\u2026seriously)<\/h4>\n<p class=\"wp-block-paragraph\">The last one on my list is a little niche and nuanced and I don\u2019t know how realistic it is. <\/p>\n<p class=\"wp-block-paragraph\">It starts with the main concept of the book <em>Die With Zero. <\/em>Part of that book involves giving more money to your kids sooner in their lives and sooner in your life too, simply because they get to use it earlier and they get more benefit out of it than if you just hoard that money until your death.<\/p>\n<p class=\"wp-block-paragraph\">Well \u2013 what if your elders have adopted that strategy? <\/p>\n<p class=\"wp-block-paragraph\">You could talk to them about some sort of family loan, intra-family financing, or outright inheritance and gift timing as part of your FIRE strategy. <\/p>\n<p class=\"wp-block-paragraph\">Now \u2013 it might get awkward? <\/p>\n<p class=\"wp-block-paragraph\"><em>\u201cHey Dad, I have enough money to retire at age 48, but I\u2019m wondering if you could just give me a couple hundred thousand dollars right now so I can retire even earlier?!\u201d <\/em><\/p>\n<p class=\"wp-block-paragraph\">Yeah, I don\u2019t know how that would fly, but you know your family members better than I do.<\/p>\n<p class=\"wp-block-paragraph\">Possibly more feasible is:0 <\/p>\n<p class=\"wp-block-paragraph\"><em>\u201cHey Mom and Dad, you\u2019ve pulled me aside to tell me that when you pass away you\u2019re going to bequeath to me 50% of your $3 million estate. I\u2019m wondering if instead you could float me $200,000 today because that\u2019s going to get me to my FI number.\u201d<\/em><\/p>\n<p class=\"wp-block-paragraph\">That seems reasonable to me. You know your family better than I do, but I certainly know some stories from conversations I\u2019ve had where that type of conversation has been part of someone\u2019s early retirement funding plan.<\/p>\n<p class=\"wp-block-paragraph\">I hope this list helps! <\/p>\n<p class=\"wp-block-paragraph\">Thank you for reading! Here are three quick notes for you: <\/p>\n<p class=\"wp-block-paragraph\"><strong>First<\/strong> \u2013 If you enjoyed this article, join 1000\u2019s of subscribers who read Jesse\u2019s free weekly email, where he send you links to the smartest financial content I find online every week. 100% free, unsubscribe anytime.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Second<\/strong> \u2013 Jesse\u2019s podcast <em><strong><a href=\"https:\/\/bestinterest.blog\/personal-finance-for-long-term-investors\/\">\u201cPersonal Finance for Long-Term Investors\u201d<\/a><\/strong><\/em> has grown ~10x over the past couple years, now helping ~20,000 people per month. <strong><a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/the-best-interest-personal-finance-for-long-term-investors\/id1553180943\">Tune in and check it out.<\/a><\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>Last<\/strong> \u2013 Jesse works full-time for a fiduciary wealth management firm in Upstate NY. Jesse and his colleagues help families solve the expensive problems he writes and podcasts about. <a href=\"https:\/\/bestinterest.blog\/work\/\"><strong>Schedule a free call with Jesse<\/strong><\/a> to see if you\u2019re a good fit for his practice. <\/p>\n<p class=\"wp-block-paragraph\">We\u2019ll talk to you soon! <\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Don\u2019t miss an episode of our podcast,\u00a0Personal Finance for Long-Term Investors. Available on all podcast players. Here\u2019s the latest episode: In Episode 152 of my podcast, I alluded to a \u201cearly retirement withdrawal checklist.\u201d Here it is in written form. We\u2019ll divide the list into two parts: The bare-bones, simple ideas that probably feel like [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7067011,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[14380,5508,11077,55734],"dealstore":[],"offerexpiration":[],"class_list":["post-7067010","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-checklist","tag-early","tag-retirement","tag-withdrawal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Early Retirement Withdrawal Checklist - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/som2nypost.com\/?p=7067010\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Early Retirement Withdrawal Checklist - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Don\u2019t miss an episode of our podcast,\u00a0Personal Finance for Long-Term Investors. Available on all podcast players. Here\u2019s the latest episode: In Episode 152 of my podcast, I alluded to a \u201cearly retirement withdrawal checklist.\u201d Here it is in written form. We\u2019ll divide the list into two parts: The bare-bones, simple ideas that probably feel like [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/som2nypost.com\/?p=7067010\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-25T22:12:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/09\/pexels-photo-7680472.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1880\" \/>\n\t<meta property=\"og:image:height\" content=\"1253\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/som2nypost.com\/?p=7067010#article\",\"isPartOf\":{\"@id\":\"https:\/\/som2nypost.com\/?p=7067010\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/som2nypost.com\/#\/schema\/person\/a66cfe5cdcbceba9b5562fe085bcaba4\"},\"headline\":\"The Early Retirement Withdrawal Checklist\",\"datePublished\":\"2026-09-25T22:12:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/som2nypost.com\/?p=7067010\"},\"wordCount\":1621,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/som2nypost.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/som2nypost.com\/?p=7067010#primaryimage\"},\"thumbnailUrl\":\"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/09\/pexels-photo-7680472.jpeg\",\"keywords\":[\"Checklist\",\"early\",\"Retirement\",\"withdrawal\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/som2nypost.com\/?p=7067010#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/som2nypost.com\/?p=7067010\",\"url\":\"https:\/\/som2nypost.com\/?p=7067010\",\"name\":\"The Early Retirement Withdrawal Checklist - Som2ny Network\",\"isPartOf\":{\"@id\":\"https:\/\/som2nypost.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/som2nypost.com\/?p=7067010#primaryimage\"},\"image\":{\"@id\":\"https:\/\/som2nypost.com\/?p=7067010#primaryimage\"},\"thumbnailUrl\":\"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/09\/pexels-photo-7680472.jpeg\",\"datePublished\":\"2026-09-25T22:12:05+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/som2nypost.com\/?p=7067010#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/som2nypost.com\/?p=7067010\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/som2nypost.com\/?p=7067010#primaryimage\",\"url\":\"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/09\/pexels-photo-7680472.jpeg\",\"contentUrl\":\"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/09\/pexels-photo-7680472.jpeg\",\"width\":1880,\"height\":1253},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/som2nypost.com\/?p=7067010#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/som2nypost.com\/?bp_activities=1\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The Early Retirement Withdrawal Checklist\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/som2nypost.com\/#website\",\"url\":\"https:\/\/som2nypost.com\/\",\"name\":\"Som2ny Network\",\"description\":\"Daily Deals\",\"publisher\":{\"@id\":\"https:\/\/som2nypost.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/som2nypost.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/som2nypost.com\/#organization\",\"name\":\"Som2ny Network\",\"url\":\"https:\/\/som2nypost.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/som2nypost.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png\",\"contentUrl\":\"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png\",\"width\":300,\"height\":86,\"caption\":\"Som2ny Network\"},\"image\":{\"@id\":\"https:\/\/som2nypost.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/som2nypost.com\/#\/schema\/person\/a66cfe5cdcbceba9b5562fe085bcaba4\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/som2nypost.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Fsom2nypost.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Fsom2nypost.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png\",\"caption\":\"admin\"},\"sameAs\":[\"https:\/\/som2nypost.com\"],\"url\":\"https:\/\/som2nypost.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Early Retirement Withdrawal Checklist - Som2ny Network","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/som2nypost.com\/?p=7067010","og_locale":"en_US","og_type":"article","og_title":"The Early Retirement Withdrawal Checklist - Som2ny Network","og_description":"Don\u2019t miss an episode of our podcast,\u00a0Personal Finance for Long-Term Investors. Available on all podcast players. Here\u2019s the latest episode: In Episode 152 of my podcast, I alluded to a \u201cearly retirement withdrawal checklist.\u201d Here it is in written form. We\u2019ll divide the list into two parts: The bare-bones, simple ideas that probably feel like [&hellip;]","og_url":"https:\/\/som2nypost.com\/?p=7067010","og_site_name":"Som2ny Network","article_published_time":"2026-09-25T22:12:05+00:00","og_image":[{"width":1880,"height":1253,"url":"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/09\/pexels-photo-7680472.jpeg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/som2nypost.com\/?p=7067010#article","isPartOf":{"@id":"https:\/\/som2nypost.com\/?p=7067010"},"author":{"name":"admin","@id":"https:\/\/som2nypost.com\/#\/schema\/person\/a66cfe5cdcbceba9b5562fe085bcaba4"},"headline":"The Early Retirement Withdrawal Checklist","datePublished":"2026-09-25T22:12:05+00:00","mainEntityOfPage":{"@id":"https:\/\/som2nypost.com\/?p=7067010"},"wordCount":1621,"commentCount":0,"publisher":{"@id":"https:\/\/som2nypost.com\/#organization"},"image":{"@id":"https:\/\/som2nypost.com\/?p=7067010#primaryimage"},"thumbnailUrl":"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/09\/pexels-photo-7680472.jpeg","keywords":["Checklist","early","Retirement","withdrawal"],"articleSection":["Finance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/som2nypost.com\/?p=7067010#respond"]}]},{"@type":"WebPage","@id":"https:\/\/som2nypost.com\/?p=7067010","url":"https:\/\/som2nypost.com\/?p=7067010","name":"The Early Retirement Withdrawal Checklist - Som2ny Network","isPartOf":{"@id":"https:\/\/som2nypost.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/som2nypost.com\/?p=7067010#primaryimage"},"image":{"@id":"https:\/\/som2nypost.com\/?p=7067010#primaryimage"},"thumbnailUrl":"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/09\/pexels-photo-7680472.jpeg","datePublished":"2026-09-25T22:12:05+00:00","breadcrumb":{"@id":"https:\/\/som2nypost.com\/?p=7067010#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/som2nypost.com\/?p=7067010"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/som2nypost.com\/?p=7067010#primaryimage","url":"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/09\/pexels-photo-7680472.jpeg","contentUrl":"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/09\/pexels-photo-7680472.jpeg","width":1880,"height":1253},{"@type":"BreadcrumbList","@id":"https:\/\/som2nypost.com\/?p=7067010#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/som2nypost.com\/?bp_activities=1"},{"@type":"ListItem","position":2,"name":"The Early Retirement Withdrawal Checklist"}]},{"@type":"WebSite","@id":"https:\/\/som2nypost.com\/#website","url":"https:\/\/som2nypost.com\/","name":"Som2ny Network","description":"Daily Deals","publisher":{"@id":"https:\/\/som2nypost.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/som2nypost.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/som2nypost.com\/#organization","name":"Som2ny Network","url":"https:\/\/som2nypost.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/som2nypost.com\/#\/schema\/logo\/image\/","url":"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png","contentUrl":"https:\/\/som2nypost.com\/wp-content\/uploads\/2026\/07\/4a0953c4-logo-300x86-1.png","width":300,"height":86,"caption":"Som2ny Network"},"image":{"@id":"https:\/\/som2nypost.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/som2nypost.com\/#\/schema\/person\/a66cfe5cdcbceba9b5562fe085bcaba4","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/som2nypost.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Fsom2nypost.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/729ae85bf62b9917e93538db2f2688ca?s=96&r=g&default=https%3A%2F%2Fsom2nypost.com%2Fwp-content%2Fplugins%2Fbuddypress-first-letter-avatar%2Fimages%2Fdefault%2F96%2Flatin_a.png","caption":"admin"},"sameAs":["https:\/\/som2nypost.com"],"url":"https:\/\/som2nypost.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/som2nypost.com\/index.php?rest_route=\/wp\/v2\/posts\/7067010","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/som2nypost.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/som2nypost.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/som2nypost.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/som2nypost.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7067010"}],"version-history":[{"count":0,"href":"https:\/\/som2nypost.com\/index.php?rest_route=\/wp\/v2\/posts\/7067010\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/som2nypost.com\/index.php?rest_route=\/wp\/v2\/media\/7067011"}],"wp:attachment":[{"href":"https:\/\/som2nypost.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7067010"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/som2nypost.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7067010"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/som2nypost.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7067010"},{"taxonomy":"dealstore","embeddable":true,"href":"https:\/\/som2nypost.com\/index.php?rest_route=%2Fwp%2Fv2%2Fdealstore&post=7067010"},{"taxonomy":"offerexpiration","embeddable":true,"href":"https:\/\/som2nypost.com\/index.php?rest_route=%2Fwp%2Fv2%2Fofferexpiration&post=7067010"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}