Can I access my 401K earlier is my Husband or Wife is older?

No, the age at which you can access your 401(k) funds is generally determined based on your own age and not your spouse's age. The rules for early withdrawals and distributions from a 401(k) account are typically based on your individual circumstances.

As mentioned earlier, in the United States, you can generally start withdrawing funds from your 401(k) without incurring a penalty after reaching age 59½. However, there are some exceptions, such as retiring or leaving your job after age 55 but before age 59½, which may allow for penalty-free distributions from your employer-sponsored plan.

It's important to note that while your spouse's age doesn't directly affect when you can access your 401(k) funds, certain spousal rules may come into play for specific circumstances, such as spousal beneficiary rules in the event of your passing.

To gain a comprehensive understanding of the rules and options available to you, it's recommended to consult with a financial advisor or tax professional who can provide personalized guidance based on your specific situation and retirement accounts.