Tuning Your Social Security Benefit When should you take your Social Security benefit? Share | Related Content Should You Ever Retire? A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all. IRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown. Retirement Plan Distributions There are a number of ways to withdraw money from a qualified retirement plan.