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>>>>I really think it may be wise for us to have some money in a taxable account even if we don't fully max all the retirement accounts we have access to.<<<<<

That is a good idea.

The taxable account can be used for anything without penalty.

Also the taxable account would taxed as LTCG where many retirement accounts (sans Roth) are taxed as OI.

The Good thing about the penalties is that it keeps one from blowing it on bull$hit.

buzman
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