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When can I get access to the money?

Self-employment plans

Basics

SEP IRAs

SIMPLE IRAs

Individual 401(k) plans

Keogh plans

You can begin making penalty-free withdrawals at age 59 ½. And you must take withdrawals once you reach age 70 ½. If you are still working in your 70s, you can continue contributing to a Keogh plan, but you must still take the required distributions as well.

NEXT: What if I need the money before retirement?

Ultimate guide to retirement

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