<prompt> Human: Hi,So my basic question is that if I plan to retire early 30s-40s by living on 25k or less a year for 10 years, and earning 70k the first year with pretty aggressive promotion Expecting to end around 130-140k after 10 years do IRA contributions make sense?Considering you pay a hefty penalty to take money out of an IRA before 59.5, I was wondering whether there is a better way to save for early retirement.I maxed my Roth IRA contribution this year, but that was before I decided I wanted to make early retirement a goal. Now that I realize it is possible after reading mr.moneymustaches blogs I am pretty certain that is what I want to do with my life. Now I am questioning whether or not I should continue maxing my Roth IRA contribution each year.Any advice? Thanks  <response>: Absolutely. Two main ways to get retirement money out of 401ks and traditional IRAs in early retirement are Substantially Equal Periodic Payments and a Roth Conversion Ladder. Read the Mad Fientists blog for more 