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When you take withdrawals from those pretax accounts, you need to fill your lower tax brackets before reaching the equivalent marginal rate when you worked

This can be true if Roth or 401k is your only asset in retirement. For many lower rates are filled by Social Security and sometimes pension. Then add in required mandatory distributions from your TIRA or 401k and you can find yourself in a higher tax bracket than planned.

For many I suspect 70-1/2 and RMD gets you to your maximum income tax rate in retirement.

For early retirees, the numbers can be completely different, but then if they retired early, what income did they have in mind? A nice pension? Income from investments?

Your mileage may vary. But these are some details to think about as you decide what is best for you.
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