Hi all, new to the forums, but I've been reading the blog for a few years. I'm trying to get laser focused on ER and just need guidance from those who have done.
I'm 38yo, and I've got over $200K in Trad/Roth IRAs at the moment (though mostly in Traditional, where I can't touch a penny of it without penalties for another 20ish years). Obviously, I need to start throwing much more money into non-tax-sheltered investment vehicles to see me through the years until I can tap into my conventional nest egg. The question is - do I stop contributing completely and put everything into regular investments? Or do I still throw a little bit of money into an IRA? I'd think that one of the things that's hugely important during ER and to stay FI is understanding and minimizing tax implications, but perhaps I'm still stuck in the "conventional wisdom" of thinking your 401k/IRA is the key to a successful retirement.
Those who have BTDT or are close - what say ye?