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Two coworkers born the same year both quit at 54. One can tap their 401(k) penalty-free right away. The other has to wait until 59½. The only difference: one quit in December, the year before they turn 55. The other waited one more month and quit in January, the year they turn 55. The rule of 55* looks at the calendar year you leave, not your birthday. It also only covers the plan at the job you're leaving. Old 401(k)s from past employers don't qualify, unless you roll them into your current pla
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