<prompt> Human: 23 year old using a throwaway for various purposes. Im currently salaried at 55k with very minimum expenses 5000 year. Already contributed 1k to 2014 Roth IRA Contributing 5 to 401k company matches 5 of my salaryShould I open another sort of account that I can use to live off of in my future, say if I retire between 40-55? What should I use? Obviously Im young with very few expenses right now so I can be a bit risky now, but in the long run do not want to be.Thanks!  <response>: You can withdraw early from retirement accounts before reaching 59.5, without penalty using 72t: 