Where to put Money?

[peterk2003]

Goal: Preferably be able to retire from a full time job before 40.  Honestly I will get bored most likely so I will likely do something on the side.

Facts:
I am 28
Income b4 Taxes ~58K
401K ~65K Ep-er:9.29% Me: 5% This is fixed
403b ~10K Me: Currently 2% but I have changed it several times
Lending Club ~11K reinvesting profits no additional Contributions
Vanguard Mut. Funds ~10K

Question: What I would like to know is where is the best place to throw my money?  I understand the 401Ks and 403Bs and Traditional IRA have a tax advantage now....but then you can't get the money out until 59.5(sans penalty) and I am concerned with having enough money to get me from ~40 to 59.5 but then the profits on most of the accounts that I can use for that time frame are taxable now which eats into the gains of the investments.  Despite my research I have not come up with a great strategy to decide where to put my money--I am just haphazardly slapping money here or there with no real plan.  Can anyone set me straight?

Thanks for any advice...

[Guizmo]

http://jlcollinsnh.com/2013/12/05/stocks-part-xx-early-retirement-withdrawal-strategies-and-roth-conversion-ladders-from-a-mad-fientist/

[peterk2003]

See the whole Converting from a Trad. IRA to a Roth IRA scares me cause it is kinda a loophole and I am afraid that the IRS/Congress will decide to close it at some point.  I don't know if that is a rational concern or not?

[Guizmo]

I can see your point of view. I guess in my mind, there is no need to worry about things that are outside of my control. I mean the government could just as easily decide to confiscate my bank account or do a number of things that could negatively affect me 10, 15 or 20 years from now. If that does happen, I will figure it out then. Obviously, to each his own. Btw, there are also other ways to get money out there like SEPP and 72t.

[RobertBirnie]

72t is what you are looking for I think.

Put money in 401k/403b/IRA. Then use 72t when you are ready to retire.

[ender]

See the whole Converting from a Trad. IRA to a Roth IRA scares me cause it is kinda a loophole and I am afraid that the IRS/Congress will decide to close it at some point.  I don't know if that is a rational concern or not?

It's only a loophole for the fraction of people thinking about retiring earlier.

For many other people who convert at their marginal rate it probably works out nicely for the US government.

[peterk2003]

Yeah I am not worried they will take my money but changing the rules is not uncommon.

I have heard of SEPP but what is 72t?