You probably do, but just in case:

You can commit to a "retirement" plan before 59 1/2 - i.e, retire early and withdraw without penalty from your retirement accounts. Keeping it simple, you commit to "substantially equal payments that continue for five years or 59 1/2. You can google it, but you can avoid the early withdrawal penalty. It is a get out of jail free card if you want to withdraw early to avoid the penalty. Here is a small blurb:


Rev. Rul. 2002-62 lists three methods you may use in determining what are substantially equal periodic payments:
1.the required minimum distribution method,
2.the amortization method, and
3.the annuitization method.
All three methods require the use of a life expectancy or mortality table. The second and third methods require you to specify an acceptable interest rate.