Typically, do people who retire early just pay the penalty, is there a way around this, or are they using taxable accounts until they reach the typical retirement age?

I am working on growing my real estate portfolio with the long-term goal of retiring early.

Thanks @Cooper MarcusOf course, the threshold considerations are whether (i) you are eligible (i.e. self-employed with no full-time w-2 employees) and (ii) retirement funds in an account that you can rollover (i.e. former employer plan and/or non-Roth IRA that is invested in investments that can be liquidated an acceptable cost).Assuming that you cross these threshold issues, here are some additional comments/considerations:1.

That could entice retirement account individuals who would like to lien behind the 70%, especially if real estate entices and property cash flows even with both liens and expenses.

Cold belt states can still have good areas they just have more dead areas in between where people are moving away to the warm belt states for retirement.

You’ll run in to not only local competition but national competition as well as people do want the best of the best selling what often times is their retirement plan.

My Why was Financial Independence to Retire Early to spend more time with family and friends.  

Mike,Take a look at the penalties for making an honest mistake with a retirement account. 

My retirement funds increased about $500K from 2001 to now, and would have regardless of who was in office.

But that's what you can do after retirement after more than 30 years of this stuff.