I had never heard of 72T, thanks for the info. I barely have six figures in my 401K right now, I figure I should still stick more into it. Single wage earner in my house, my wife is borderline legally blind since 1999. I know I can draw $3500 gross from my pension if I go out now. I can live on that easily, but I hate to get locked in on that amount right now. Social Security will add $1700 at some future point in today's dollars if its still there. I raided my Thrift Plan several times in my younger years, dumb move on my part. I worry about future inflation.