which is if someone wants to retire before 59 1/2, when the Roth becomes fully distributable, one would have to bridge the gap between the age of retirement and age 59 1/2. So, a regular brokerage account will likely be one of the best vehicles to bridge the gap. You could withdraw principle early from a Roth without the 10% penalty and without income taxes.You could also look at a 72T if you retire prior to 59 1/2.
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