Let’s say you have person A and person B. Both have a FIRE number of 3 million. They both achieve it at the same time. Person A has 25% of their money in non tax-advantaged accounts and 75% in tax advantaged. Person B has the exact opposite percentages.
Both of them are going to have very different withdrawal strategies to optimize FIRE. If there was a person C with the same percentage mix as B, there might still be a massively different strategy between B and C depending on the mix of their specific tax advantaged accounts.
Are there any tools to help with this, or a place that has good general advice? Im not too far off from FIRE, and the closer I get, the more important these details are.
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