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Episode #655 ~~~ Connect with John Bowens: / john-bowens-cisp-48331514 ~~~ Connect with Scott and Mindy: Scott: / scott_trench Mindy: / _mindyatbp ~~~ Follow BiggerPockets Money on Social: Facebook: / bpmoney Instagram: / biggerpocketsmoney ~~~ Want to access your IRA before turning 59½ without paying the brutal 10% early withdrawal penalty? You're not alone, and YES, there are completely legal ways to do it that most people never learn about. In today's episode of the BiggerPockets Money Podcast we're joined by John Bowens from Equity Trust will walk us through the exact strategies that allow you to tap into your IRA funds for early retirement, major expenses, or financial emergencies - all while staying on the right side of the IRS. Whether you're planning for early retirement, facing unexpected expenses, or just want to understand your options, this episode gives you the complete roadmap to accessing your IRA funds legally and strategically. 00:00 Introduction to Early IRA Withdrawals 00:14 Understanding IRA Basics 00:52 Penalties and Exceptions for Early Withdrawals 01:28 Impact on Retirement Strategy 01:50 Exploring Alternatives to Early Withdrawals 02:02 Consulting a Financial Advisor 02:08 Conclusion and Final Thoughts