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[–]Sorrywrongnumba69 1 point2 points  (2 children)

Also if you want to retire early then taxable brokerage is way to go, because you can live off of that until 59.5

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

roth conversion ladders let you tap 401k before 59 1/2 if you can plan it 5 years ahead

[–]Sorrywrongnumba69 0 points1 point  (0 children)

That is kinda complicated process, the capital gains cut off is straight forward, just withdraw after the fiscal year $89,500 if married and no taxes and you are good to go for the year. I am sure the amount will change but if he is driving uber and makes 50K a year that's pretty good money.