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Message: [QUOTE="Kolumbo, post: 5284792, member: 4613"] I saw that. But your first statement made it sound like the rule rather than the exception. I'd say most people who take an early withdrawal do so because they need the cash for something specific and they pay the penalties. If they are wealthy enough to retire that early and spread the payments over that long a period of time, then they probably have quite a few other financial resources making the early withdrawals unnecessary in the first place. [/QUOTE]