Morgan | personal finance 💸
Region: US
Wednesday 11 February 2026 18:48:32 GMT
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JJJJJ11 :
Girl you CAN access before 59.5. It’s called 72T under the IRS code where you can access your IRA penalty free earlier. Check it out and you might change your mind
2026-03-08 01:15:04
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user5673077123821 :
You max the 401k and build the bridge account at the same time.
2026-03-02 03:48:17
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Leah :
There are so many ways to access 401k before 59.5. Roth conversion ladder being the one I am planning on. The tax savings now that you get from maxing out are worth it. And even just taking the 10% penalty + taxes when you’re in a lower tax rate is better that forgoing the tax free growth!
2026-02-18 18:24:24
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spiritsistersactivate :
I retired at 46. I guess it depends on how much you have in your 401k. I maxed so I could reduce my taxable income each year. I have a good split of pretax and after tax. Roth is the bridge. Early retirement is amazing girl!
2026-02-26 13:46:06
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Liz :
401k has rule of 55 tho
2026-02-12 02:06:21
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user7134836578304 :
That is only smart if you can’t afford to max out your 401k and a Roth and then a taxable brokerage account
2026-03-05 23:21:25
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WifeInTheWild :
The rule of 55 is my plan for bridging to my pension and SS
2026-02-26 20:17:47
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Sam Stone :
Smart move. Also fund an HSA if applicable.
2026-03-05 11:00:17
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rileyzma :
We are going to use the Rule of 55 (but we are retiring at 55 in five years). We do only contribute to employer match. We are trying to beef up our brokerage and Roths because we need to keep our taxable income low during our bridge. We naively thought because we have a pension, healthy SD, and an estimated 1.6m at retirement that we wouldn’t have to worry about anything else. Don’t be like us young whippersnappers!
2026-02-26 01:10:36
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user81905729545917 :
There’s research out there that the tax protection you receive at contribution and growth outweighs the 10% penalty for early withdrawal. So taking the penalty hit is still more money in your pocket than after tax broker route.
2026-03-09 12:43:16
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aandbeck.01 :
I’m confused Roth IRA is not accessible so penalty until 59.5yo so are you using the brokerage as the bridge?
2026-02-11 19:54:06
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limearieswinterberry :
It’s a great to reduce your taxable income though
2026-02-27 00:11:54
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Not from here. :
55 if you leave your employer after 55. This is my plan so I have chosen to go hard with the 401k
2026-02-17 17:48:08
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Lynsey Rae :
Yes!! We are doing the same thing so we can retire early!
2026-02-23 17:06:59
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Ryan Matsumoto :
good explanation! One thing I discovered is that it doesn't actually take that many years of maxing out your 401K (if you start early) to get it to a point where it's gonna compound to enough for traditional retirement at 60/65.
2026-02-27 10:06:45
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MidWestRN01 :
Once you start making a certain level of income you have all the options. No reason to argue over it.
2026-02-20 03:26:18
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The Retireista :
Smart! More and more people are doing this in their journey to make work optional well before the traditional retirement age.
2026-02-20 03:50:07
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Kansascity :
401k contributions are pretax so your investing alpha is greater which means greater long term returns. Max it out first and also have a taxable brokerage for the situations she’s talking about here. Best to have both
2026-02-27 16:46:52
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02Nupe :
There is the 72(t) SEPP (Substantially Equal Periodic Payments) option where you can access it early if your portfolio is large enough. Definitely something im planning on using and you are in that bucket too based on what you have invested for later.
2026-05-07 19:57:11
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Jz | Finance Coach :
Yea I just shifted my focus to my brokerage this year as well for the same reason. Been maxing out the 401(k) for years but I want to start building that bridge as well. Definitely felt weird making that change, but I think it’s the right choice for me. Still getting the match in the 401(k).
2026-03-05 19:01:22
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Capturing Theta :
When I first joined the workforce brokerage accounts, IRAs and 401k were the only options. If I were joined the workforce now, I’d split the money between Roth IRAs, Roth 401k and brokerage. And I might only contribute up to the match on the 401k. If I make too much to contribute to Roth IRA, I’d start putting in brokerage account. Always accessible especially if u want to retire early.
2026-02-28 14:40:24
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hnguyen234 :
What about reducing your taxable income? Can you explain further?
2026-03-20 02:27:50
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mostvaluablepicker :
Rule of 72t is worth looking at, though complicated (allows penalty free installments before of 59.5). But overall, I am on a similar mental thought process - mix of funds is best. Brokerage funds will be great because the contributions provide a natural buffer for the bridge and not all withdrawals will be income.
2026-03-11 04:30:00
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CPP :
This!
2026-02-14 23:17:06
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