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I am 36 and hope to retire sometime in my early 50s. I have been maxing out my 401(k) and Roth, but hardly have anything in taxable accounts.

I understand that the minimum age for penalty-free-withdrawls from these accounts is 59 1/2. Or is there any dispensation for early retirees? Do I need to start focusing more on my taxable account to make it from 53 to 59?



Monies in taxable accounts have a lot more flexibility than most folks think, especially with the current LT rate (15%). Especially since you are planning early retirement, I would definitely be funding taxable accounts as part of the retirement package.


Hohum
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