At age 59.5, all access restrictions to 401ks and IRAs are removed.
Sometimes people want to retire before then. (Hard to believe, I know.)
But what if most/all of your savings and investments happen to be in a retirement account? Or you prefer to hang on to the investments in your taxable account?
Fortunately there are a few options to tap retirement accounts early and penalty-free.
Since I was dissatisfied with our 2023 profligate spending I am going to spend a few minutes each week reviewing our total outlay.
Many people asked what process or tools I used to track expenses.
For many years I used Mint.com, but if you aren’t aware… Mint.com will cease operation on March 23, 2024. Intuit, who bought the website in 2009 and ran it into the ground, recommends moving your data to Credit Karma with reduced functionality – which seems to be all the stuff I hated about mint with none of the stuff I liked. (Screen shots and shade included in post.)
So I am going a different route – This is How I Track Expenses.