55세의 규칙: 401K 자산에 대한 조기 은퇴 액세스

### 401(k)로 55세 규칙을 이용한 조기 은퇴
* 🕰 만 55세 이상이 되는 해에 은퇴하는 경우 **'55세 규칙'**을 통해 401(k) 펀드를 벌금 없이 이용할 수 있습니다.
* 💰 이 규칙은 기존 401(k)에도 적용되지만, **59 1/2세 이전에 인출하는 경우 Roth 401(k)에서 인출한 이익에 대해서는 과세**됩니다.
* 🔍 복잡한 계산이 필요 없는 간편함과 **전체 계정 잔액에 즉시 액세스**할 수 있다는 점이 장점입니다.
* 💸 현직에 있을 때보다 은퇴 후 과세 구간이 낮을 경우 **세금 혜택이 상당**합니다.
* 📜 단점으로는 **플랜 제한(고용주가 허용해야 함)** 및 **현재 고용주의 401(k) 플랜에 대한 제한**이 있습니다.
* 📅 55세 규정의 적용 대상 여부가 결정되므로 **정확한 만 55세가 되는 해**를 아는 것이 중요합니다.
* 📊 기존 401(k) 계정을 현재 고용주의 플랜에 통합하면 **이 규정의 혜택을 극대화**할 수 있습니다.
* 📆 " 이 글을 시작할 때 **55세와 59세가 얼마나 남았는지** 적어두라고 말씀드린 것을 기억하세요. 특히 로스 자산이 있는 경우 세금과 벌금이 부과되는 실수를 하지 않도록 이 날짜를 이해하고 정확히 맞춰야 하며, **두 번 측정하고 한 번 삭감해야 하는 중요한 날짜**입니다.

55세 규칙은 55세에 401(k) 자산을 벌금 없이 이용할 수 있도록 허용합니다.

[Music] All right, so we've talked about the taxable brokerage. Now let's switch over to talk about retirement accounts because this is what gets a lot of the fodder in the fire and fine Community. People say, Hey, I want to take advantage. I want to build up my retirement accounts. But if I'm going to retire early, how do I go about using them? And there are simple ways like 457s or like military pensions that might be a great option for you to retire early, but they might not. Those types of accounts or those types of benefits might not be available to you, but there are still ways that you can retire before age 59 and a half. And the first of which you've heard us talk a lot about this one is one that's really, really exciting. And again, it's accessible not to everyone, but to most people. And that's the rule of 55. Yeah, the rule of 55. Fortunately, the first account that hits seven figures is the 401K for most people. So this is a good

thing especially with the rule of 55 is because what this rule allows is if the year you hit 55 so you can actually be 54 years of age when this happens but the year that you reti you leave you break service from your employer that has the 401K. If you're turning 55 that year you actually get penalty-free access to those retirement Assets. Now you're still going to pay income tax on it but it wipes away the 10% penalty. But it has to be with the 401K that you are currently employed at your current employer so it's not like you can leave one employer at age 50 and go work somewhere else and then try to pull from that old 401K unless you've rolled it in so your account structure matters. If you want to take advantage of the rule of 55 you need to recognize that your Bridge assets the dollars that you're going to use to get you from age 55 to age 59 and a half need to be in your current

employer 401(k) plan. So, if you have a bunch of old 401(k) plans that you've left behind and old providers, you might want to consolidate those before you ask to retire so that you can get access to those dollars. Yeah, so you, you've look, this rule of 55 is powerful. We've used this with a number of clients. You just said something that was very key. If you know that you're retiring in a few years and you know you, you'll be in that year that you hit 55, that because that's a, that's a nice Halo. It's like playing horseshoes with your retirement. Is that, let's, why not roll a little bit of money in there? Or how about this, maybe you are leaving this employer. You don't have to leave everything in that 401(k). You just might need to leave enough so that you actually get to maximize this rule of 55 until you reach 59 1/2 and maybe you roll out some of the other assets because you want to have other opportunities.

different custodians. There's all kind of reasons why that might come into play. And then the other thing you need to recognize is that, uh, while Roth 401ks can be subject to the rule of 55, you'll be taxed on the gains if you try to pull money out before 59 and a half. So generally speaking, rule of 55 is much more advantageous for pre-tax traditional 401ks in retirement accounts as opposed to Roth because really for the Roth, we really want it to be tax-free. So we don't want that gain to be taxable income. So you're going to try not to pull out of those, certainly not the earnings portion of those before 59 and a half. So let's talk about when it comes to rule of 55, what are some pros and cons? Well, the first pro, it's pretty simple. You don't have to have like an advanced, uh, degree in finances to understand, okay, in the year I 55, current 401K, I can start pulling money out. No

penalty. Still pay ordinary. Well you're go here in a minute. We have other rules where you have to do all these calculations. You have to annuitize. All this is simple. I like if you if you are in the year that you're turning 55 at this employer you qualify to get this penalty-free access to these retirement assets. I love that. And what I like is not only is it simple, you get immediate access to the entire and full account balance right. You don't have to have some special part. It chiseled off. And then the other benefit is it's tax advantaged. If your tax bracket will decrease in retirement, meaning if you were saving in the pre-tax during a higher income stage of your life and then when you get into retirement, your income drops in your lower tax bracket, then this will have been a positive arbitrage for you. You would have gotten a bigger tax deduction earlier in life and you're going to pay less taxes now. That's a benefit. But again, even the rule

of 55 is not perfect. There are some negatives, there are some cons associated with it. Yeah, first, you got to do your research, make sure that your plan actually even allows this. When the plan was designed, this is something that your employer had to choose to allow this for it even to be available to you. The other thing is that it's limited to your current 401K. So again, if you have old 401ks, old historic accounts, you don't get access to those. It's only the 401K at the employer you're working with when you retire in the year that you turn 55. So you have to make sure that you consolidate accounts and it's in the around account structure. And don't forget to do the work to figure out what is the year that you actually turn 55 because that's what you have to be in that year. Because this would break my heart if you do your planning on going into this fire SL fine movement where you're going to the next Endeavor of

life you want to own your time that much sooner, and you do this at 53, you're going to have a sad awakening that you might have had a huge opportunity to get access to money penalty-free, but you just chose the wrong time mark by touch. So, pay attention to the dates. Remember at the beginning of this, I said write down how far away you are from age 55 and how far you are from 59. Especially if you have Roth assets, these are key important dates that you need to understand and hit it right so that you don't make a bad mistake that cost you taxes and penalties, and you just need to make sure you measure twice, cut once.

Why the Rule of 55 Is a Powerful Tool for Retiring Early!

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조기 은퇴는 많은 사람의 공통된 목표이며, 401k의 55세 규칙과 같은 은퇴 계좌를 사용하여 은퇴하는 방법에는 여러 가지가 있습니다.

55세 규칙은 만 55세가 되는 해에 직장을 그만두면 퇴직 자산을 벌금 없이 이용할 수 있도록 허용하는 규정입니다.

이 규칙을 최대한 활용하려면 자신의 계좌 구조를 고려하는 것이 중요합니다.

401(k) 플랜을 위한 55세 규칙 최대화하기

은퇴하기 전에 기존 401(k) 플랜을 통합하면 자금을 더 잘 활용할 수 있습니다.

55세 규칙은 55세에 401(k)에서 벌금 없이 인출할 수 있도록 허용하지만, 세금 관련 문제로 인해 Roth 401(k)보다 기존 401(k)에 더 유리합니다.

55세 규칙을 최대화하기 위한 고려 사항에는 기존 401(k) 플랜의 관리 방법을 결정하고 조기 인출의 세금 영향을 이해하는 것이 포함됩니다.

55세에 은퇴 자산에 대한 위약금 없는 액세스: 장단점

55세부터 위약금 없이 은퇴 자산에 접근할 수 있으며, 전체 잔액과 세금 혜택을 즉시 이용할 수 있습니다.

하지만 이 규정은 현재 401k에만 적용되며, 자격 여부를 확인하기 위한 조사가 필요하며, 기존 401k 계좌에는 적용되지 않습니다.

이 규정의 혜택을 충분히 누리려면 55세가 되는 특정 연도에 맞춰 계정을 통합하고 신중하게 계획을 세우는 것이 중요합니다.

은퇴 저축에 있어 55세와 59세의 중요성

55세와 59세까지의 거리를 알고 있어야 벌금 없이 은퇴 저축을 이용할 수 있습니다.

특히 로스 자산을 보유한 경우 세금 및 벌금에 대한 영향을 이해하는 것이 중요합니다.

시간을 들여 신중하게 측정하고 정보에 입각한 결정을 내리면 장기적으로 비용이 많이 드는 실수를 방지할 수 있습니다.