<prompt> Human: Hi all,Im just wondering if anyone can share any techniques on how to pull money out of a 401k without incurring the 10 penalty before 35? Currently, I have roughly 220k in a SEP 401k and Im considering contributing another 53K this year for tax reasons. Im familiar with rule 72t however, as Im aware, you need to be 35 to begin taking distributions. Ideally Id like to access this money sooner asap and move it into a taxable brokerage.Ive also researched roth laddering but I dont believe Id qualify for a roth at this point due to the income limitations. Even then, I believe a 5 year lead time puts this method only slightly more expedient than being able to withdraw via a RMD.Also, can anyone point me in the direction to some calculators where I could experiment with taking the 10 penalty at different incometax levels? If not, some resources on the math so I can program one?Thanks so much in advance.  <response>: Id recommend simplifing your investment appproach. Putting 53k in a 401k for tax reasons yet withdrawing it taxed and 10 penalty is ass backwards. Use 401k for retirement, set up brokerage accounts for non retirement goals. 