No, the rule of 55 doesn’t apply to traditional IRAs, including Roth, SEP, and SIMPLE accounts. It only works for qualified workplace retirement plans, such as 401(k)s and 403(b)s. IRAs and their sub-types, however, have different early withdrawal exceptions. We recommend consulting the IRS website for a full list of them, as well as talking with a financial advisor or retirement planning professional if you have any questions.