I'm 40 and my wife is 39. We have no debt- we own our home and two cars free and clear. I do use credit cards for expenses but I pay them off in full each month - I NEVER, EVER, carry a balance forward. I don't think I am looking to do it now, but early retirement is a real possibility in the coming years, if not even now. I have read mixed opinions on retiring early. Some say to have a large brokerage account and other says to max out retirement options before investing in a brokerage account. I know about Rule 72(t) for traditional IRAs, but this doesn't seem like a practical solution for retiring early. Between that and my brokerage account, yes, but I don't have the flexibility to use large amounts of what is in the traditional IRAs aside from the 72t distribution. A ROTH IRA makes a lot of sense if I'm retiring at 59.5, but aside from withdrawing the contributions, I can't get to that money without a penalty no matter what. That seems to leave me with the brokerage account. At this point, if I want the most flexibility to retire early, it seems that I should be investing solely in my brokerage account and my 401(k) so I get my employer match. What's your opinion? submitted by /u/Widget248953
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