You're referring to the issue of "where do I get money until I hit 59.5"? There are a couple of ways to approach it, and they're not mutually exclusive. One think you can do upon ER is start a SEPP from one or more IRAs. The upside is it gets you (limited) penalty-free access to tIRA funds. The downside is that once it's in place, it must stay exactly the same, or else you end up paying penalties on *all* the money you withdrew. A second approach is to withdraw Roth contributions to cover your living expenses, as those are available penalty-free after 5 years. A third approach is to set up a Roth ladder. You can set up combinations of these approaches, and see which will work best for you.