Accessing money before 59 ½ has rules, but that should not stop you from retiring when you want to.

Accessing money before 59 ½ has rules, but that should not stop you from retiring when you want to.
It’s hard to provide a one-size-fits-all approach to saving. With the waterfall approach to saving, you can allocate funds to the most tax and wealth efficient locations as you increase your ability to save.