what is the proper way to invest or save for early retirement?

Public Comments

1. IRA's
2. Even for early retirement IRA's can be useful. Rule 72T allows for withdrawals from IRA's before age 59 1/2 without the 10% penalty if withdrawals are substantially equal and based on the life expectancy of the account holder. Alternatively, a Variable Universal Life policy can be overfunded. The invested value will grow tax deferred and can be withdrawn at any time, for any reason. When withdrawals are structured properly, they are tax free. This option is ONLY worthwhile if there is also a need for life insurance coverage.
3. Saving for early retirement goes beyond finances, it also involves investing in yourself so you can have more independence and freedom at any age.