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To: mr. picker who wrote (12779)	3/26/2000 9:29:00 AM
From: Investor2	Read Replies (2) \| Respond to of 15132

Re: "Is their some obscure tax law that allows for early withdrawl of regular IRA's without penalty?" You can take equal annual distributions on a schedule that results in distribution of the IRA assets over your expected lifetime (i.e., an annuity-type distribution scheme). You must continue this for at least five years. Check out page 20 of the following document: ftp.fedworld.gov Best wishes, I2

To: mr. picker who wrote (12779)	3/26/2000 1:16:00 PM
From: MrGreenJeans	Read Replies (1) \| Respond to of 15132

Mr. Picker Since many of us have a substancial portion of our assets in an IRA what would be critical mass then? Does critical mass mean that it has to be in a taxable account? For example what if John Doe had 2 million in various IRA's, 38 years old with no debt. Does this constitute critical mass? Is their some obscure tax law that allows for early withdrawl of regular IRA's without penalty? Critical mass for most of us is located in non-taxable and taxable accounts so by my subjective definition critical mass does not have to be in a taxable account. However, to retire on the job or from the working world it would certainly help to have access to the money at the very moment you made that decision otherwise your options would be limited. I am NOT a tax accountant but my understanding is you can make withdrawals from your IRA which are not taxable if they are based on life expectancy tables.