Recommended Resources

Recommended Resources

There are many things I use/read/enjoy that could be helpful to you on your journey to financial independence and this page describes all of those great things!

Planning

FI Laboratory

FI Laboratory

Track your progress to financial independence and find out when you will achieve FI in the FI Laboratory, the custom software I wrote specifically for fientists!

In addition to being able to track your progress to FI, there are also various calculators I created that will be useful on your journey to financial independence (see this post for more info).

FI Spreadsheet

Click here to download the spreadsheet I used on my own journey to financial independence and check out this page to learn all about it.

FIRECalc

When planning for early retirement, it is helpful to run your numbers against historical market data to see how your early retirement plan would have fared in the past. FIRECalc is the original Financial Independence Retire Early (FIRE) calculator and while the interface is a bit cumbersome, it is extremely powerful.

cFIRESim

The Crowdsourced FIRE Simulator (cFIREsim) is another great FIRE calculator with some really cool features and unlike FIREcalc, it is still under development so expect more functionality to be released in the future.

Tracking

Mint

Mint is a free online tool that pulls your financial transactions directly from your bank accounts and automatically categorizes your spending.

Personal Capital

Personal Capital - Portfolio Manager

While Mint is great for spending categorization and budgeting, it’s not great for portfolio management.

Luckily, there is another free online service called Personal Capital that automatically pulls all of your account data and provides very useful tools for monitoring and managing your accounts and investments (for a full review, check out the this article).

Investing

Vanguard

Vanguard offers the best and cheapest index funds so that’s why most of my money is invested there!

Banking

Fidelity Cash Management Account

The Fidelity Cash Management Account reimburses all ATM fees and offers unlimited free checks so it’s a great account to have, if only for those two reasons.

Travel Hacking

Uber

Uber

When you’re traveling and need to get somewhere quickly, hail an Uber rather than a traditional cab. Their excellent mobile app allows you to request a ride from your phone, watch the car on a map as it comes to pick you up, and then automatically pay when you get to your destination (you don’t even have to tip)!

If you sign up with this link, your first ride (up to $15) is free!

Annual Credit Report

As I mentioned in the Travel Hacking and Slow Travel post, signing up for lucrative credit card offers can allow you to travel for very little money.

An integral part of being able to apply for the best credit card signup bonuses is having a high credit score. To make sure your credit report doesn’t contain any errors, you can receive a free credit report from each of the three major credit bureaus once a year at AnnualCreditReport.com (Note: that there are many scams out there that say they will give you a free credit report but will then also sign you up for an expensive credit monitoring service so only use AnnualCreditReport.com to get free credit reports).

Mad Travel Cards

To find the best credit card signup bonuses to apply for, I created the ultimate credit card search tool for travel hackers – Mad Travel Cards.

Simply choose the programs that you’d like to accumulate points in and the application will show you the best cards currently available for those programs.

Credit Card Strategy

If you want to learn the strategy I’ve used over the years to obtain the maximum amount of miles/points in the cheapest and most efficient way possible, sign up to the Travel Hacker segment of my email list by entering your details below:

This email series consists of an email once every ~6 months that contains:

  • Which card I’d recommend you apply for at that particular time
  • The reasoning behind the card recommendation
  • Alerts for exceptional limited-time signup bonuses

It is great for people who want to get the benefits of travel hacking without doing the hours and hours of research themselves.

Supplemental Income

Dreamhost

If you want to set up your own website to earn some additional income on your path to FI, I recommend Dreamhost for hosting.

The Mad Fientist has been hosted on Dreamhost since the beginning and even though I’m now getting hundreds of thousands of page views per month, I’m still only paying $15 per month for fast, reliable service.

Sign up here to get $25 off an annual shared-hosting plan!

ConvertKit

If your website develops an audience and you want to email that audience, I recommend you use ConvertKit.

I recently made the switch from MailChimp to ConvertKit and I’m really glad I did! There are so many things that I love about ConvertKit (too many to list here) so just email me if you want to know why I think it is the best email-marketing solution available.

Reading

Books

How I Found Freedom in an Unfree World by Harry Browne – My buddy Jim from jlcollinsnh.com recommended this book to me and it blew me away. It changed how I approach life in the same way reading Early Retirement Extreme many years ago changed the way I approach my finances.

Audiobooks

If you prefer listening to books rather than reading them, click here to sign up to a free 30-day Audible trial and get your first audiobook for free!

Blogs

59 comments for “Recommended Resources

  1. Patrick
    February 27, 2014 at 6:40 am

    Love your blog. How would you go about starting a traditional Ira? Can I do that Vanguard? Would like to start investing like him Collins says in his stock series? Keep up the great blog

    Thank you,
    Patrick

    • The Mad Fientist
      February 28, 2014 at 8:48 pm

      Hey Patrick,

      Yes, you can open a Traditional IRA at Vanguard (that’s where I have mine). Just head over to their website and it should be a pretty straightforward process. Give them a call if you get stuck with anything but I can’t imagine you will.

      Glad you’ve been enjoying the blog!

      • Autumn
        July 28, 2014 at 10:20 pm

        I opened a Roth IRA with Prudential through my financial advisor a couple of years ago. Now my husband is going to open his Roth IRA, but I am not sure if I want to go through the financial advisor for that or not, or whether I want to stick with Prudential for his IRA or not (I’m basically opening the fund for him). Are there significant pros/cons to opening my own IRA through Vanguards website, for instance, and just opening another IRA through my financial advisor? I am pretty new to this stuff.

        • The Mad Fientist
          August 1, 2014 at 9:39 am

          Hi Autumn,

          I imagine the costs would be higher going through a financial advisor so if it were me, I’d just go directly through Vanguard. It is really easy to set up a new account but if you run into problems, you can give them a call and they’ll help you through the process.

          Good luck!

          • Autumn
            September 1, 2014 at 1:39 pm

            Thanks for your advice. What if I am in the same situation (opening a fund with Financial Advisor vs. opening an account on my own), but with money that I want to be fairly liquid? That is, I most likely won’t be accessing this savings for about 5-7 years, and I expect to be adding about $10,000 to it each year. I have a mutual fund that I opened through my financial advisor, and she does offer advice and try to educate me on my accounts. However there is a 5% administrative fee on the amount that I deposit, and after 7 years that will add up to quite a lot of money, in my opinion. I can’t decide if that fee is worth having her guidance there. So I am thinking about not adding any more money to the account through her, and opening a new one on my own.

            Essentially I just want to open a fund starting with $10,000, and keep adding 10,000 each year while getting some sort of return, or at the very least keeping up with inflation. Do you think it would be simple to open a mutual fund (or another fund) through the Vanguard website as well?

          • The Mad Fientist
            September 4, 2014 at 4:13 pm

            A 5% admin fee?!? That is insane so yes, I’d suggest you go out on your own!

            It is very simple to open an ordinary taxable investment account through Vanguard so just give them a call, tell them what you’re hoping to accomplish, and I’m sure they’ll guide you through the process.

            Good luck and let me know how it goes!

  2. Roger
    March 1, 2014 at 8:48 pm

    So when you say you built travelerplastic, does that mean you own it and get the commissions for it? I’m planning on getting a few new credit cards next month and figure I might as well give someone a commission for it, just trying to figure out who that someone should be.

    • The Mad Fientist
      March 2, 2014 at 10:21 am

      Hey Roger, that’s very kind of you.

      Yes, I do own Traveler Plastic but sadly, the credit card affiliate programs are notoriously difficult to get into so only a few cards on that site actually pay me anything.

      If you send me an email before you apply though, I can send you my creditcards.com link, which should kick me back something if you apply through their links.

      When you email me, let me know what cards you are thinking about getting. I’m actually planning my next round of applications so I’m interested to hear what you’re going for this time.

  3. Star*Bucks
    March 5, 2014 at 9:33 pm

    Hey I love your site! I use most of the things on this list except for personal capital. I prefer Mint just personal preference. btw i just joined early retirement extreme forums and I places a post showing my financials. I wanted to send you an email just to see if you could critique what I’m doing but I couldn’t find a link to your “contact us” page? Anyways love the contact keep it up my friend

    • The Mad Fientist
      March 6, 2014 at 3:57 pm

      Hey Star*Bucks, just go to the About page and you’ll find my contact information there.

      I look forward to hearing from you!

  4. Jeff
    March 6, 2014 at 9:32 pm

    Hi Brandon,
    Does Vanguard have the equivalent of the Fidelity cash management account that also reimburses ATM fees, offers checking and online bill pay, etc?

    Jeff

    • The Mad Fientist
      March 7, 2014 at 11:54 am

      Hey Jeff, sadly they don’t. There is the Vanguard Advantage account, which is similar to the Fidelity account but not as good (the Vanguard account has ATM fees for non-PNC Bank ATMS, checkbook fees, etc.)

  5. Beth
    March 18, 2014 at 6:07 pm

    I knew I was going to love this blog when you mentioned you had read How to Live Free in an Unfree World, and ERE. They both were life changing, spend changing for me.
    Beth

    • The Mad Fientist
      March 18, 2014 at 10:46 pm

      Absolutely, Beth. An incredible book and an incredible blog!

  6. PK
    March 31, 2014 at 3:32 pm

    Have you seen a web-based or software tool that estimates future dividend income giving your current portfolio composition? If you haven’t achieved FI (yet!) and are still working, a historical view of portfolio dividend income earned is less important than understanding how much annual dividend (and interest) income my current portfolio would earn in the future, including the contributions I just made.

    • The Mad Fientist
      April 1, 2014 at 3:58 pm

      Hey PK, I don’t personally use anything that does what you described. Has anyone else out there come across something like that?

  7. August 2, 2014 at 6:37 pm

    Do you know, concerning the Barclay Arrival Card, if I don’t plan on spending my miles within the first year, can I downgrade to the no fee card and still hold on to my points for using later? Thanks.

    • The Mad Fientist
      August 10, 2014 at 9:44 pm

      Hi Johnny, you should be able to do that so just give Barclay a call when your annual fee is close to being due.

  8. Jshro
    August 25, 2014 at 10:17 pm

    Is there more of an advantage collecting miles/travel perks vs. cash back cards. Wouldn’t you prefer to receive cash rewards and use those for travel?

    • The Mad Fientist
      August 26, 2014 at 11:31 am

      I actually keep track of how much value I get out of each program so that I can see if I’d be better off getting cash rewards instead. Since I spend just as much time figuring out how to best use my miles/points as I do figuring out how to get them, I currently get much more value out of my miles/points than I could get out of a 2% cash-back card but if that changes for some reason, I’ll just switch to the Barclaycard I mentioned above to get ~2% cash-back everywhere.

  9. eric
    December 24, 2014 at 11:28 pm

    Been looking for a service/ software to use without having to connect mine and my wifes investment and banking passwords and just found your fi lab. Just set up an account and plan on putting it to use this january. Thank you so much for this free software that includes the graph. Just wanted to let you know that it is very much appreciated and looking forward to using it for many years to come. Thanks Mad Fientist and merry christmas to you.

    • The Mad Fientist
      April 17, 2015 at 11:29 am

      My pleasure, Eric! Thanks a lot for the comment.

      Has the FI Lab been useful to you so far?

  10. Saff
    February 22, 2015 at 12:31 pm

    Hi Brandon,

    I love the site. Thanks for all the effort you pour into it. I’m pretty new around here but have pretty much consumed each of the blog posts and podcasts available. I have now come to the point of attempting to make use of one of the tools but am having trouble doing so.

    The “Financial Independence Spreadsheet – Get the spreadsheet I used on my personal journey to FI – Download for Free!” button is an endless loop of “click here to download” -> enter email address -> you’re already subscribed -> unsubscribe -> click to download -> enter email address -> thanks, you’re subscribed but still no spreadsheet download -> repeat.

    How can I obtain a copy of the spreadsheet?

    • The Mad Fientist
      April 17, 2015 at 11:30 am

      Hi Saff,

      You should have received an email within an hour of signing up to the email list that includes links to all of the free tools. Did you not get it?

  11. Saff
    February 22, 2015 at 3:03 pm

    Please disregard my previous comment about how to obtain the FI spreadsheet. I found the link in the welcome email. Thanks!

    • The Mad Fientist
      April 17, 2015 at 11:31 am

      Haha, I just now saw your follow-up comment so please ignore my reply :)

  12. Peter
    March 4, 2015 at 11:15 am

    Uber, however, requires a smart phone of certain types (won’t work with a Windows phone but Android, iPhone absolutely) which means a 2-year financial commitment into a plan, with monthly fees OR buying the phone outright (front load the cost) then shopping for a provider.

    Wouldn’t the cost of a locked in 2 year commitment be greater than the occasional taxi/towncar trip? I prefer the freedom of pay-you-go but that just works for me and my mobile work situation, instead of paying a huge penalty breaking local phone contracts constantly.

    • Nate
      April 14, 2015 at 5:12 pm

      There are a lot of smart phone companies out there now that have pretty cheap phones and plans. I use Republic Wireless. They have a phone for $100 and you can get a plan with unlimited minutes and texts for $10 a month. No contract. I now there are others out there too, but that’s what I use.

      • The Mad Fientist
        April 17, 2015 at 11:34 am

        I bought a used iPhone 4 off of my colleague for $50 and I have the $10/month Airvoice Wireless plan that MMM wrote about here.

        Nate’s suggestion is a great one as well.

        • Peter
          April 17, 2015 at 11:46 am

          Unfortunately, I am Canadian so a lot of these great US plans are absent here.

          • The Mad Fientist
            April 17, 2015 at 11:51 am

            Do you have an iPod Touch or something you could use on wifi? If not, just use taxis because it doesn’t sound like it would be worth the hassle and additional expense.

  13. Jeff
    March 17, 2015 at 8:56 pm

    When using the firecalc and and cfiresim, does home equity count when you enter your “portfolio” or “how much you have?” I’ve read a bit of the fine print and can’t determine if it counts. I don’t think MMM counts it, but my memory might be wrong on that.

    • The Mad Fientist
      April 17, 2015 at 11:43 am

      It depends on your plans after you quit your job. Will you sell your house and rent or will you keep living in that house? If you sell your house and rent, your net worth will be higher but so will your expenses but if you stay in your house, the opposite.

      I counted my home equity in my net worth because I knew I’d be selling it before I quit my job but I also forecasted higher monthly expenses in retirement to account for future rent expenses.

  14. David
    April 19, 2015 at 8:44 am

    I seem to be having trouble gaining access to the lab. I’m already subscribed. When i click on it, i get the subscribe screen again. There doesn’t seem to be a login. So I type in my email that I subscribed with and get an error that I’m already subscribed. Still can’t get into the lab or download the spread sheet.

    • The Mad Fientist
      April 22, 2015 at 11:56 am

      David,

      Did you get an email with the subject “Welcome!” from me? If so, that email contains the links to both the spreadsheet and the FI lab.

      Send me an email if you’re still having issues.

    • Kristi
      September 28, 2015 at 10:03 pm

      This! The endless login loop of death! I had the same experience tonight and received several “Update your profile” emails that sent me nowhere, before I gave up.

      • The Mad Fientist
        September 29, 2015 at 9:01 am

        Hi Kristi, I just sent you the welcome email so sorry you had issues!

  15. Alex Pedersen
    June 23, 2015 at 7:36 pm

    What do you think about the Schwab Investor checking account? Similiar to Fidelity. Trying to decide between the two.

  16. Michael
    August 19, 2015 at 5:08 pm

    I am interested to see if anyone has a good model or predictor for using an HSA vs a low-deductible plan. I went with the HSA this year, along with a high dedcutible plan, and then ended up having a lot of medical expenses and meeting my deductible. Which I feel like is a “bad thing”, and I feel kinda burned. I think I should have had a lower-deductible plan. I am planning on changing back to the low deductible plan next year, but I want to make sure it will be the right move.
    I don’t really need the HSA yet for an “extra place to put money” (i.e., I haven’t managed to max out my 401k and Roth IRA in the same year yet and I am in my 2nd year of work). Once I am doing that, I feel like I should go to adding the HSA.
    On my own I am planning on looking at all the claims I had, and trying to calculate what I would have spend and gotten paid by my insurance company if I was under the other plan. Then forecast into next year the same thing, but this sounds like a very tedious and manual process. Any thing you use to help in that decision?

    • Mark
      September 9, 2016 at 8:27 am

      It’s not terrible. At the point where I am it benefits me to have a high-deductible plan.
      I usually figure out how much I absolutely need to set aside for the HSA (Average of all medical expenses over the last 3+ years (+/-)). Then I find out what my yearly cost is for the HDHP – I’m biweekly, so I have to multiply the paycheck premium by 26.
      Once I get that whole number – Required HSA Contribution + Premium, the whole thing gets the tax savings added back to it (HSA Contribution + Premium + (HSA + Premium ) * Your effective Tax Rate [I use last years’ because my income doesn’t change very much year over year])
      .
      I do the same thing for a PPO every year, however, I use the PPO plan co-pays instead of the expenses. Some things, like prescriptions need to be estimated. Some pharmacies will give you a quote with your insurance information, but they generally get cranky about doing it. It’s a little bit of work to figure out, but if you keep good records – like you should for an HSA, it’s not as big of an undertaking.

      You can compare the out of pocket costs, including premium and get a ballpark of what the best path forward is for you.

      Also remember, if you use your HSA as an additional vehicle for investing (HealthEquity is really great for this), it currently behaves like an IRA at retirement age.

      • Mark
        September 9, 2016 at 8:38 am

        Correction – Tax savings is subtracted from the (HSA Contribution + Premium) not added back, and remember, you cannot calculate tax savings on co-pays unless it falls within the IRS guidelines (Publication 502 https://www.irs.gov/publications/p502/).

  17. Subrata Purkayastha
    August 25, 2015 at 1:45 pm

    Hello, could you direct me to any posts on how to choose correct savings plan for your kids? I have an infant son and thinking of setting aside a fund for him. Please advise. I’m hesitant to set aside money in a college fund given the way education is transforming. Thank you.

    • Ruth
      March 17, 2016 at 8:53 am

      clarkhoward.com is a good resource

  18. Marc
    October 6, 2015 at 3:54 pm

    Thank you for a wealth of information!
    I wander how your hypothesis and analysis of retiring young would change with kids and especially if you had a child with special needs. We have 2 children and one of them needs a specialized school setting. He has attended for 3 years now and the tuition has gone from a horrid $53,000 per year to $65,000 per year. I can not even imagine what my son will need in the years ahead. How does one take this into account – both the uncertainty and the major expense on a frugal budget. Additionally, I have not yet found how you factor in health care expenses (both insurance) and unplanned expenses into your FI calculation. Thank you for your thoughts on both.
    Marc

  19. GV
    October 26, 2015 at 3:09 pm

    Hi there! I’m new and hooked… can you recommend any “current financial writers”?

  20. Ruth
    March 17, 2016 at 8:52 am

    Need advice! I’m going solar :) Here are the particulars-

    * I am considered “low income” on taxes because child support does not count as income and because of my low income status, I can do the MA solar loan (3.25% for 10 years) and they will pay 30% of my loan! You are allowed to pay as much as you want within the first 18 months and then you can refinance the loan. Loan will probably begin in May 2016. I think I can pay it off in 2 years. Total for loan is $42,000.
    * I am getting approx $13,000 tax credit from federal and $1000 from state. I normally don’t owe much tax so to take advantage of this I thought it would be a good idea to rollover some of my IRA to a ROTH IRA? If this makes sense, WHEN should I do the rollover?
    Thanks for any input/advice!! :)

  21. JP
    March 19, 2016 at 4:31 pm

    Question about the “Time to FI” calculator – is it possible that there is something amiss? I notice if I INCREASE my withdrawal rate, all else being equal, my time to become FI DECREASES while I would expect the opposite to be true.

    • The Mad Fientist
      March 21, 2016 at 4:49 am

      Lowering your withdrawal rate means you’ll have to build up a bigger balance to pay your bills so that will increase your time to FI.

      For example, if you have $30,000 worth of annual expenses and you plan to withdraw 4% from you portfolio to fund those expenses, you’d need to save up $750,000 ($750,000 * 4% = $30,000). If you instead decided to only withdraw 3% from your portfolio each year to fund those $30,000 worth of annual expenses, you’d have to wait until you had $1,000,000 before you could retire ($1,000,000 * 3% = $30,000).

      Your portfolio will have a greater likelihood of lasting longer with a lower withdrawal rate but it will take you longer to build up enough to retire.

  22. JJ
    May 4, 2016 at 3:33 pm

    I just joined, and tried the “Time to FI calculator”: https://lab.madfientist.com/calculators/time_to_fi

    Could someone explain to me why, when I enter a larger value in the “Withdrawal Rate” field, my “Time to FI” actually goes down? I’m clearly misunderstanding the purpose of this field. When I enter “100”, it says I am financially independent. When I enter 0 (will not withdraw during retirement), it says I can never retire.

    What is the value for this field actually supposed to represent? “The rate at which you will withdraw from your accounts during early retirement”. I thought I understood what that means clearly enough, but the calculator’s math obviously reflects something else. Could someone clarify please?

    • JJ
      May 4, 2016 at 3:37 pm

      Nevermind, I just read the previous answer, sorry about that. Your answer strikes me as reflecting a bizarre set of assumptions; no one would ever determine a withdrawal rate independently of the amount they need to live on each month. Just me, probably, but I guess I take some comfort in knowing I am not the only one confused. Cheers.

  23. FD
    August 28, 2016 at 9:51 am

    Hi Mad Fientist!
    Thank you very much for unique and eye-opening posts, resources, and podcasts!
    I am wondering if you’ve ever thought about/encountered the following situation related to unused vacation:
    I found an article from 2009 saying that the government allowed rolling unused vacations to employee’s 401k (or other retirement account). I am planning to quit being an employee (and hopefully go as a consultant/contractor for my current employer). If something like rolling money for unused vacations to 401k exists, I would love to take advantage of that instead of getting cash (and bumping my tax bracket). If you know anything about it, I would love to hear your take on this. I also wonder about any related regulations/rules that I should consider.
    Thanks again!
    Best!
    FD

  24. October 5, 2016 at 4:42 pm

    @madflentist found you off a FI/RE movement article and I love what you listed here. A small note, Mint is fairly ineffective these days (personal experience). Ever since they switched from Yodalee to Intuit it’s just not as good since a lot of institutions end up blocked on their tracker. The scales tip towards Personal Capital which is what I use nowadays.

    Great stuff!

  25. Suzanne
    October 23, 2016 at 10:14 pm

    Hello MAD FI. I’ve recently discovered your site,much to my delight!. I’m well on my way to FI and am looking for a tool that allows complex variables for FI planning. Specifically, I’m looking for something that will allow me to submit multiple different cash flow needs for a period of time to calculate total assets required for the entire retirement. For example…Cash flow of 110K for 10yrs and 55K for 30yrs requires X amount of assets (savings/investments). The standard 4% rule just doesn’t cut it…or at least I can’t figure out how to make it. :)

    I appreciate any assistance.
    Cheers!

  26. Ruth B
    January 7, 2017 at 2:55 pm

    For some reason, a lot of the links are not working today. FI Laboratory, FI spreadsheet. Nothing happens when I click on them….

  27. Mike
    January 16, 2017 at 10:25 am

    Love this resource! Just one question, how can I set up the spread sheet so that I can factor in the value of a defined benefit pension plan into the formulae? Trying to decide if it is beneficial to see what the current transfer value would be and what the unreduced value would be at the end of the pension term

  28. Mia
    February 13, 2017 at 8:58 am

    Hi Mad Fientist,

    I am a Danish university student, currently on exchange in Edinburgh.
    I was wondering if you have knowledge of any FI’ers outside of the US – most of the advice you and your co-bloggers give is specific to the US system – although a lot of the advice is still relevant across borders, some things are not applicable. I am researching and translating a lot at the moment to seek out which oportunities I have as a Dane as we speak.

    I listened to your podcast on millenials, and that inspired me a lot – do you also have any good places to seek out information on FI for students?

    Since I’ll be in Edinburgh until May, please let me know if I can take you up on you and Jill’s offer on going out for a beer when in town.

    All the best,
    Mia
    – a newbie Danish FI’er

  29. Steve
    March 19, 2017 at 6:51 am

    Hi

    UK reader new to site and new to all things FI! Really interested in making a start on my own path but virtually all the sites for tracking and investing seem to be US based.
    – Is there a UK version of Mint or Personal Capital that you would recommend?
    – Can I still invest with companies such as Vanguard & Betterment from the UK?
    – If I do will I incur any additional charges (currency conversion etc.)?
    – Are there any UK equivalents that you would recommend?
    Any help and guidance appreciated.
    Great site and great podcast by the way….keep up the excellent work.
    Steve

  30. April 21, 2017 at 10:30 am

    Hi,

    I love your podcasts, why don’t you talk about YNAB in the ressources section ? this is a fantastic tool to track your budget but mainly to be intentionnal about your spending. It is more based on “where your money WILL go” rather than ” where DID the money go”

  31. Dean
    May 6, 2017 at 11:05 am

    I am a qualified public safety employee, if i retire before age 50 when does the 10% penalty for early withdrawal expire?
    Does it expire at age 50 or does it now extend to 59 1/2?

    Great information and well presented, thanks in advance.

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