EPISODE · Aug 20, 2025 · 32 MIN
Federal Employees: Navigating a Layoff (Ep. 20)
from Retire Rich: Tales of Financial Freedom · host Marc Hernandez and Carlos Lopez
In this episode, MAH Financial explores how federal employees can access retirement funds early after a layoff by using IRS Section 72(t). The discussion breaks down how Substantially Equal Periodic Payments (SEPPs) work, calculation methods, the long-term commitment required, and the risks of triggering penalties if rules aren’t followed. The team also discusses how careful planning can make 72(t) a valuable strategy to bridge income needs while delaying pension or Social Security benefits, and why professional guidance is crucial when considering this approach. Let's dive in!
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Federal Employees: Navigating a Layoff (Ep. 20)
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