How much do you currently have in Roth IRA contributions?
Do you have a solid understanding of the rules for withdrawing your Roth 401k contributions?
How many years expenses can you currently cover with your taxable accounts?
It seems like you have a lot of avenues to explore before giving up the benefits of your 401k.
Total ROTH Dollars (401k + IRA) 129,780.15 (note, I would still be contributing 6% of my salary in ROTH 401k + 14k/yr to our IRA's)
Currently rules in my 401k ROTH are the requirement to wait till 59.5 (unlike a ROTH IRA)
Number of years expenses - maybe 4 years, but I would still only withdraw 36k a year in a pinch (little over 3% of total net worth) to ensure principal is maintained
Taxable Account: 240k (not much)
Total of all accounts (tax def, tax free, taxable) 1.4M
Seems I could even consider eliminating catch up contributions as well and put that in taxable. still thinking this through.
end result would be: 401k ROTH 6% of salary, with 6000-7000/yr from employer match + 14k/yr into ROTH IRA's ... so I'm not eliminating the contributions, just reducing and redirecting