Hi Folks,
This is my first time posting here. I'm about to get a $20,000 raise and want to save in the FIRE mindset. My options for tax advantaged account are a Roth IRA, Traditional IRA, a low-fee governmental 457(b) in MA, or a 403(b). I am currently in a low tax bracket, so I'm thinking contributing on a Roth basis is the smart way to go.
My problem is this: I will want access to these accounts, assuming all goes well, before my late 50s. Do any of them allow me to withdraw money without penalty before the minimum age? I read that 457s have some flexibility there, but was hoping someone could clarify it for me. I tried reading the IRS website; sadly, my reading comprehension skills aren't quite strong enough.