Retirement accounts like the IRA and 401(k) are designed to help you save for retirement. So the IRS imposes penalties on most withdrawals that take place before age 59-1/2. But if you're retiring earlier than that, you'll need to find a way to access all your savings without paying that penalty.

If you plan ahead for your early retirement, there are plenty of ways you can get access to retirement savings well before age 59-1/2, and you won't have to pay that pesky penalty at all. Here are four ways to do it.

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Source Fool.com