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So is there anything I can do to bridge the gap between say ages 45 to 50 when I would like
to retire until I turn 59 1/2 and can start drawing from my fund and 60 when I start getting a check from Uncle Sam. I plan to continue eliminating debt and be completely debt free by age 45.

In a word, yes. This subject is extensively covered on this web site: and specifically at (one of the links off the Retire Early Home Page).

It is also the subject of many discussions on the MF's REHP discussion board. Go there and search on 72(t) withdrawals. There are many real experts on this subject there. There is also an extensive report (which I have not read because the subject is not relevant to me) on the SoapBox. It is written by The Badger, one of the main contributors to 72(t) discussions on the MF REHP board.

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