 you know if you're doing really well you know and you find that you can retire early it's nice to have a bridge account that you can get into that you're not going to have any penalty for if you haven't reached 59 and a half yet yeah and i always want to caution people this this kind of obsession with let's just retire let's just retire let's just retire go towards something oh yeah don't don't cross the finish line just to say i quit