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You might look into the Rule of 55 for your 401k plans. You have to have left employment in the calendar year in which you turn 55.

small nit: This applies to workers who leave their jobs anytime during or after the year of their 55th birthdays, not just the year they turn 55.

We had hoped to use the rule of 55, but the plan does not allow it.
A plan to use the 72t distribution on the 401(k) will work, starting next year and running for the required 5 years. By tweaking the variables in the formula, we should be able to come pretty close to our intended target for income, for tax and ACA subsidy purposes, among other considerations.

Alternatively, we could live off our non-retirement savings/investments for just under 2 years, until my wife hits age 59-1/2 and even convert a bunch of IRA funds to Roth Accounts during that time. I think I prefer the 72t option and leave that savings intact for now and keep it for emergencies or special situations.

It's nice to have options, anyway. At least for the first several years of retirement, we are expecting both our marginal tax bracket and our effective tax rate to be lower than they has been. By the time we start taking Social Security and finally need to take our RMD, that may change, and I haven't even considered what will happen when we ultimately go from filing joint to single, hopefully a very long time from now.
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