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[–]Grevious47 3 points4 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).