Hello, I've been reading MMM for awhile but only recently managed to pay off all debt minus my mortgage. I have a 401K and a separate IRA from a pension rollover but all my savings to date has gone to retirement accounts and a Dave Ramsey emergency fund. I have 1 kid in college and 1 in high school and I'm 45 years old. I'm struggling with 2 things.1. I can't retire early of all my money is tied to IRAs. How much should I be putting into an individual investment account that can start paying me before I'm 59.5?2. My IRA from the pension rollover is a standard IRA. Should I convert it to a Roth? I'll definitely be in a lower tax bracket after I retire.What tools would you suggest to determine if I already have as much as I need in IRAs? Would it be better to just fill out a request for a case study? I
I just realized I never posted a thank you to the folks who replied to me. I apologize for the oversight. We took the investment order and put it into action. We moved down the list far faster than I expected. I haven't been able to fully find my 401k yet but we're making progress. Thank you so much for the responses and I apologize for tardiness of my response.