Turn 59.5. Seriously, cashing in early a 401K or IRA is one of the worst financial decisions one can make. You pay taxes, you pay penalties so you only get cents on the dollar and you're stealing from your retirement. And after you've burned through what little you had after taxes and penalties, you'll have nothing and no retirement savings either and will still not be able to make ends meet. You need to get a job, any job. If you can't afford to own your home, sell it and rent something much smaller and cheaper. Cashing in your IRA early is the worst thing you can do.
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