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Yes, but how many of those are tax advantaged?

Are you saying you cannot invest unless the account is tax advantaged? IMO, that would be a silly restriction.

If you don't have access to any other tax advantaged accounts, start investing in a taxable brokerage account. If you *know* you can only save 1/4 of what you need in tax advantaged accounts, then you also know you have to use something else to make up the difference. Taxable accounts are a fine place to put money.

My wife and I end up putting approximately 50% of our savings into taxable brokerage investments. Without this, there would not be any possibility of retiring early.

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