IRA's or 401k's or Post tax accounts?

[bcbruins3]

Hello :) I've been a casual reader for a couple of months now.  A coworker and I were discussing the 25x rule today.  For MMM, is that all in post tax accounts?  750,000 directly into accounts where earnings will go on to get taxed?  If not for those types of accounts, the question becomes: How does it get pulled out safely or without penalty?


----------From the Start Here post:

You invest it. In stock index funds, in paying off your own house, in rental houses if you are interested in local real estate, and in other sources as you continue to learn about making money work for you. As of 2016, my own retirement income comes from a dead-simple asset allocation: a bunch of index funds at Vanguard and Betterment which pay quarterly dividends.

[terran]

See https://forum.mrmoneymustache.com/investor-alley/investment-order/msg1333153/#msg1333153 and https://forum.mrmoneymustache.com/investor-alley/how-to-withdraw-funds-from-your-ira-and-401k-without-penalty-before-age-59-5/

Also note that 25x (or 28x, 30x or 33x) should include taxes. If all of your savings will be in tax deferred accounts then figure out how much tax you'll pay when you withdraw that amount. With fairly low spending/withdrawals tax will be fairly low.