There are several exceptions to the early withdrawal penalty for qualified retirement plans such as a 401(k) and for IRAs. Since the rules differ for different types of plans, please refer to this tax topic for your situation: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distributions
Can you withdraw funds from a pension before age 59½ and avoid the early withdrawal penalty?
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