Date: Tue, 7 Nov 2006 09:16:06 -0600
From: "rick++" 
Newsgroups: misc.invest.financial-plan
Subject: Re: How best to save additional funds
   posting-account=baGIGAwAAAB8R7fBjS2dCahJEL6C3Xd6
	iQBVAwUARVCjNvl/I4+O31e5AQHVkQH9Ge5B56JyRtdJVhM4+zN0ZQwg7/EZR9ww
	viDgYu3jU/2AW58ofCnNvNz8aFWYYHdSg2b9mNwE3oUcLbT2LfFVAA==
	=2rpt

Under certain circumstances, there is no 10% penalty before age 59 or
55.
That is to annuitize your withdrawals for at least five years.
That is to withdraw your fractional life expectancy, about 3% per annum
in your 50s.
(You are required to do this by age 70 for non-Roth accounts.)

Plus nothing says you have to spend any or all of an annual withdrawal.
The IRS just wants income taxes on it.  You can still save whats left.