I have a question, maybe it's weird but... do any of you ever wonder if maxing out retirement accounts is too long term, if you're planning on retiring much earlier in life? For me personally right now, I only need an extra $300 a month to reach FI. However if I maxed out an IRA (I don't have access to a 401k, but this question could go for that as well), it would take me longer to FI, since I wouldn't be able to access the money/interest till I'm older. Thoughts?