You have a Roth IRA
The great thing about the Roth IRA is you won’t have to pay tax on the gain*. Also, it’s an easy way to access your retirement account without having to pay the 10% early withdrawal penalty. You do this by building a Roth IRA ladder. If you’re planning to retire early, then a Roth IRA can be very useful. Here is how to start a Roth IRA in case you don’t have one.
*No tax and no penalty once you’re older than 59 ½. However, your contribution can be withdrawn at anytime with no penalty or 5 years after rolling over from an IRA.