Excerpt: Your retirement is far more than simply no longer showing up to work. It's about having the freedom to do what you want in life, and enough control over your personal finances to enjoy that freedom.... The stronger your retirement nest egg, the easier it is to break free of the lifestyle trap that can otherwise handcuff you to a job you no longer love. Even better, thanks to something known as a SEPP (Substantially Equal Periodic Payments) plan, you can start withdrawing your retirement money early, without getting socked by penalties.  MORE >>