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I zoned-out on the fact that you said you have a total of $700,000 available -- I tried the JavaScript calculator on intercst's site, and I think you're in the ball park with that -- I shouldn't have implied you might be $50,000 short.

But if you do have some additional IRA money somewhere, as TMFTaxes says in his article, you can pick and choose which IRAs to include in the 72(t) SEPP.

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