One of the most common misconceptions in personal finance is that retirement accounts are locked up until age 59½ — and that touching them early means a guaranteed penalty. The reality is more nuanced. There are legal, strategic ways to access retirement funds early, reduce your tax burden, and build a plan that supports financialContinue reading “Early Retirement Without Penalties: Rule of 55, Backdoor Roth, Solo 401(k), and More”