I've been curious for a while on how other mustachians balance between their retirement and taxable accounts. I've just made it to the point in my taxable account of getting my total stock market index to Admiral status with the lower expense ratio, and at this point, it's unbalanced with my retirement account, which I try to max out every year. As things currently are, after contributions to my retirement account at work and my Roth IRA, I don't have a lot left over to put into the taxable account, and it's also getting a much later start.
In expectations of early retirement, however, should you try and keep a taxable portfolio that is balanced for risk independent of the retirement portfolio, or do you just look at the total allocation including both taxable and retirement accounts? To keep the taxable account balanced, I've considered adding VBMFX (total bond market) vs. VWAHX, or VWLTX (tax-exempt bond funds), not sure how much I should be worrying about the tax considerations of either.