<prompt> Human: Situation: I nearly 50 years old. My 401K is four times the national average for people my age, and my Roth IRAs average rate of return over its lifetime is 1637;. Question: If my Roth IRA surpasses 1M when I turn 59 12, what are the drawbacks of going into partial retirement or early retirement then and withdrawing from my Roth IRA until I can start withdrawing from my 401K and collecting Social Security at 67?  <response>: The only drawbacks are the money you withdraw and spend is spent and any you withdraw and dont spend is no longer earning a tax free return 