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I retired at age 53 and set up a 72t distribution on a 401K plan.

If you ask your account custodian they can give you an estimate and answer questions.

Mine was at Fidelity. They wanted the 401K rolled over to an IRA and then did the 72t from there. Worked fine.

The main requirement is that you continue the plan for a minimum of five years or until age 59-1/2. If asset values decline such that you can't continue the plan, it becomes a penalty distribution. So best to invest conservatively and not take big risks with investments in the 72t plan.
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