I haven't come across a simple strategy for withdrawing money before 59 1/2 from traditional retirement accounts- 401k, Roth/Traditional IRA. How do you plan for this? Assuming a retirement at 45 and income need level of 35,000 a year with a balance of 1.2M between 401k, tradional/roth IRA, what do you do to live between 45 and 59 1/2?