Early retirement options

Regarding early retirement options, this is a good cursory resource from the IRS that addresses SoSEPP, interest rates, life expectancies, and account balances. As it says, some answers may not apply to every situation and may require more research.

Section 72(t) applies an additional 10% tax on distributions made before 59 1/2 from qualified retirement plans such as 401(a), 403(a), 403(b), IRA 408(a), and 408(b).

Exceptions to the 10% additional tax are listed under Section 72(t)(2)(A)(iv) as a "series of substantially equal periodic payments."  Further guidance on the exception is explained in greater detail about RMD, fixed amortization, and fixed annuitization in Notice 2022-6 

Further exceptions to the 10% additional tax apply under 72(t)(2) are summarized here and while not addressing early retirements specifically, is a good resource for using qualified funds for a variety of life events.