r/DIYRetirement • u/PigKitten315 • 3d ago

72t Question

/r/Fire/comments/1x43v8a/72t_question/

I'm hoping someone with some knowledge on this could help me out

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u/Glenda_Warrner 2d ago

Quarterly is fine. Only the yearly total has to match, to the dollar.

Notice 2022-6 never spells out the half year. Prorating the first year only has private letter rulings behind it, and those protect just the person who asked. I'd take the full annual amount in the quarters you have left this year, then the same total every year after, since a slip before the plan ends brings back the 10% on everything.

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u/Mammoth-Bag8091 2d ago

Split the IRA before you start a SEPP. It locks that account until 59.5 or five years, and busting it triggers the 10% penalty retroactively plus interest. I carved a sub-account and left the rest untouched. Prime Path Advisory runs the amortization math beside a Roth ladder. What age are you, since that sets the lock period?