New poster. Please be gentle.
Spouse and I had always planned to do the conventional retirement age of 65ish (We're currently 40 and 33). We max out our 401k's and Roth IRAs, and have a combined total of about $550,000 in those accounts. We also have about $75k in Vanguard funds, into which we contribute an additional $1,000 every month, and another $200k in cash, which we're trying to figure out what to do with.
Recently, we've decided that neither of us wants to work another 25 years before retiring, and we'd like to ramp up our saving and retire in 10 years max instead. So my question is, how long do we keep contributing to 401k and IRA's? I know it's smart for taxes, but it also seems wonky to put the bulk of our savings capabilities into funds that we'd have a hard time accessing until we're 60. And while Spouse's company offers a moderate 401k match, mine doesn't match at all.
tl;dr: If we want to retire early, are we contributing too much to traditional retirement accounts -- and what should we do instead?