I contribute to my 401(k) at work and plan to open a Roth IRA before the end of the year. All this money will be available penalty free at age 59 1/2. But, what do I live on if I want to retire at age 50? Should I start a non-IRA savings account instead of the Roth or just live with the 10% early withdral penalty? Are there other options? Thanks
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