I recently found this forum and it has been changing how I think about retirement a bit. I always knew I wanted to reitre early but I was targeting something around 55-60 as my retirement age which works out well because I can access my retirement money at 59.5 and I could probably cover a few years before that age pretty easily. However, now that I am thinkink of an earlier retirement I am slightly concerned that most of my money is locked up in 401k's or roth's. Am I saving for retirment the wrong way?
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NW of 970k of which 620k is locked in retirement accounts and 220k is locked in home equity. The remainder is split between cash and taxable investments. We max out our roth's and 401k's to reduce our tax burden but it doesn't do me a whole lot of good to have a massive 401k if I can't touch it for another 28 years. What do you think?