重要的事情說三遍：退休帳戶裏的錢不到年齡可以取，不罰款，不罰款，不罰款！現在上班沒時間細說，自己搜一下SEPP

A SEPP plan allows you to withdraw funds without penalty from a retirement account before you turn 59½.

https://www.investopedia.com/terms/s/sepp.asp