what is an example of withdrawing money early with rule 72 t 
as an example assume a 53 year old woman who has an ira earning 1 5 annually with a balance of 250 000 wishes to withdraw money early under rule 72 t using the amortization method the woman would receive approximately 10 042 in yearly payments with the minimum distribution method she would receive around 7 962 annually over a five year period using the annuitization method she would receive approximately 9 976 annually the bottom linethis is why the irs has exceptions for specific circumstances like disability and illness if you do not meet any of the criteria for other exceptions then rule 72 t can be used if you have exhausted all other avenues it should not be used as an emergency fund strategy as any withdrawals could affect your future financial stability significantly 