No. of Recommendations: 1
So I also save in a taxable brokerage account. Doesn't matter if it is taxable, it's still retirement money to me.

We actually have the bulk of our retirement savings in a taxable account. We also plan to retire early, and in order to be able to have enough money on which to live, we have to be saving somewhere other than in tax-deferred accounts because we need to be saving more than the limits will allow.

The added bonus of saving in the taxable account is that we can tap that money for other things like the kids' college or any other expense.

I think it's short-sighted to only save in a tax-deferred account for retirement as that won't give me enough funds to be able to retire early and live comfortably for the rest of my life.
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