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You can roll your 401k and 403b into IRAs and then get at them without penalty using the SEPP (Separate and Equal Periodic Payments) method.

Here is the latest in intercst's homepage on SEPPs.

http://rehphome.tripod.com/sepp2003.html

Can also search on SEPP and find plenty of posts. TheBadger (besides intercst) is the local expert.

arrete
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