Substantially equal periodic payments

Of course, the taxable brokerage accounts, but maybe you don't have them.

So then what do you do? Something called a 72T, sometimes called an SEPP, Series of Substantially Equal Periodic Payments.

Sometimes it's called a 72T plan.

And what this is, is it's a systematic withdrawal from an, typically from a traditional IRA, but in theory could be a 401k, where what you're doing is you're doing a little amortization calculation.

And if you re- if you read any sort of financial independence, retire early literature, doing your research, you've likely come across 72[t] distributions.

And if, you know, if you don't love numbers, let's give you an acronym, SEPPs.

And what that stands for is substantial equal periodic payments.

This is actually a setup.