Key Points
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Once a Roth IRA meets the five-year rule and age 59½, you can withdraw even if still working.
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Accessing a 401(k) while employed depends on plan rules, loans, and hardship withdrawal options.
Learn how the “two magic numbers” — five years and age 59½ — shape access to Roth IRAs, traditional IRAs, and employer 401(k) plans, including loans and hardship withdrawals. Watch the video below to see how these rules affect retirement flexibility. *This video was published on April 14, 2026.
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