<prompt> Human: I am going through a mini-midlife crisis and pondering financial freedomearly retirement. Wife and I both make near 6 figure salaries but are getting burned out. I figure if max my IRA contributions and 401K for several years I could have 1 to 1.5 milllion saved depending on the market, primarily in retirement accounts, and have my house paid off.I see very little guidance on the best way to access this though money in your 30s40s50s though. It makes sense to put as much as possible into tax deferred up to 48K between 401K and IRA for a couple if I plan on living frugally in retirement. That leaves about nothing in non-tax deferred savings if I go that route. .. So lets say I retire at 40. I assume I start using Rule 72t to take out money with a SEPP? Is this easy to navigatea smart way to plan things. My understanding is you have to continue to take the same size payments until 59.5. What if I give up on retirement and go back to work full time?I just havent seen much on this topic but it seems super important for well compensated people considering early retirement.  <response>: Head over to rfinancialindependence! 