The TSP Rule of 55 vs. IRS Rule 72(t) For those who don’t qualify for the TSP Rule of 55, IRS Rule 72(t) allows penalty-free withdrawals through Substantially Equal Periodic Payments (SEPPs). However, SEPPs must continue for at least five years or until age 59½, whichever is longer. Unlike the Rule of 55 TSP, which provides flexibility in withdrawal amounts, 72(t) plans are rigid, re... https://www.federalpensionadvisors.com/post/tsp-rule-of-55