No. of Recommendations: 1

I am planning to retire early also. I don't want to tap my 401(k) or rollover IRA early, because I want to save them in the anticipation of being retired for 30 or 40 years (women live long in my family).

So I also save in a taxable brokerage account. Doesn't matter if it is taxable, it's still retirement money to me.

If I retire at 52 like I plan to, I need about 7 years of living expenses in my taxable account to cover the time until I'm 59 1/2. I don't mind drawing down the taxable account, but I plan to live mostly off the income from the retirement accounts, not the principal. That's why I don't want to be drawing them down early. Lower balance=less income, not good!

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