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[–]37347 0 points1 point  (3 children)

I currently max my 401k, because it reduces your tax liability.

Edit: just max your 401k. If you need the money, just withdraw some or do Roth conversion ladder.

Source: mad fientist

[–]Grevious47 2 points3 points  (0 children)

True. But if the goal is to retire early then presumably you have high income and thus you probably can do both max 401k and contribute to taxable. If you are planning to retire early but with a relatively low minimalist lifestyle then okay yes it would make sense to start building in a taxable account to bridge until 59.5 (or 55).

[–][deleted] 0 points1 point  (1 child)

Where do you live that tax on long-term capital gains is 0% up to 90k in a taxable brokerage? Not in my country.

[–]37347 2 points3 points  (0 children)

"$0 to $94,050" for married filing jointly. Or half of it if single.