Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to withdraw retirement money early [title] Check the types of plans you have. [step] While there are limited exceptions that enable you to withdraw retirement funds early without any tax penalty, many of these exceptions only apply to money held in particular types of accounts. [substeps] The type of plan you have also determines the earliest age at which you can withdraw retirement money without penalty, and whether you must first leave your job.

Ending1: Some plans are never subject to early withdrawal penalties, such as employee stock ownership plans. These plans often share similar features with traditional retirement plans, but dividend distributions from these plans are penalty-free. Ending2: You will have to keep in mind that it is the average age for most retirement plans. [title] Look at your statements for the first 12 months after your retirement. Ending3: Particularly for extended retirement, most retirement plans do not require you to renew an ira in order to withdraw retirement funds. These plans may also look favorably on your management or performance evaluations. Ending4: Specific types of plans you can withdraw funds from over 35 years tend to have fewer tax consequences. The " learn a skill " of the day plan determines how you can withdraw the funds and pay off retirement money.

Answer format: ending1/ending2/ending3/ending4