Which of the following people can withdraw earnings from a traditional IRA without paying the $10\%$ penalty?

A$.)$

Tom, a $45-$year$-$old teacher, applied for early retirement.

B$.)$

James, a $54-$year$-$old tech engineer, wants to buy a luxury car.

C$.)$

$35-$year$-$old Mario, is unemployed and requires money to pay his health insurance premiums.

D$.)$

$27-$year$-$old Keren wants to transfer her retirement savings to her spouse's account.