With a little bit of fancy accounting work, there is an IRS  rule 72(t) that states that you can take substantially equal periodic payments (SEPP) before age 59 1/2 without penalty. 

He makes $24 an hour, is married, and has a 3 year old at home.The other guy got back $3,000 on his tax return and spent almost the entire thing buying his wife a fancy diamond ring.

The people with the new fancy cars, trendy clothes, and a $300 a month cappuccino habit are no happier than you or me, and actually may have MORE financial stress.  

In the 4.5 years I have been a part of BP I can tell you it is a part of my daily routine.  

Often times people are presumed to be wealthy because they live in a big house or drive a fancy car, but I would argue that alone usually doesn't tell you how well the person is really doing financially. 

My one bedroom vacation condo is by no means fancy, so I would assume someone making minimum of $1000 would stay somewhere more posh.

I need one of those fancy airplanes.

Yeah we don’t have fancy cars, a 2017 volt and a 2018 CRV but they just aren’t important to us, compared to retiring 5 years after starting to invest. 

They’ll discourage you, try totell you all the reasons why it won’t work, and try to talk you backinto the routine 9-5 life they feel comfortable in.

In fancy economic speak that's called INFLATION.