1st question: So at this time we are maxing my 401k, her 403b, her 457b, her/my roth and I have extra money left I am deciding on where to put it.
If I do the mega-roth and take my 401k to the 53k limit then do inservice rollovers to my roth, it looks great.
But if I leave at age 47, then I have large 401k/403b/457/roth balances but little cash. The other options for the extra cash are taxable investments/mortgage paydown/save for rental property (eh too much work/headache I think). My wife is also concerned about college, we want to pay for 4 years of what instate tuition would cost for each kid.
NC does not allow deductions for the 529 plan. Instead of the mega back door, taxable account could be used for college as well as FIRE - but the roth max more sense tax wise.
2nd question: How do post FIRE withdrawals look with multiple accounts?
401 - 1.5 mil
403 - .6 mil
457 - .6 mil
roth a - .25 mil
roth b - .25 (up to .6 depending on mega backdoor) mil.
The way Im thinking now is the 457 would be the main source until I could access the roths / 401/403 accounts (~12 years). Does this seem reasonable?