Hypothetical: let's say I take 100,000 today after my taxes and invest it in a brokerage account for 30 years (I'm 25). If we assume 7% interest rate it comes out to be 750k. If I draw below the 80K threshold for capital gains each year (married filing jointly) then that whole thing is tax free right? Am I missing something? I know we need to assume taxes stay the same/similar, and I can live off of 70K at 55. But anything else?

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What? If this is a personal account and not some sort of IRA then you owe taxes on all the gains. Idk what you’re talking about for the 80k threshold.

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Capital gains taxes start after 80k of “income” for married. Assuming no other income source, the first 80k is not taxable. 15% gains tax applies after that threshold. This threshold is the reason many people choose not to lock their money up in retirement account.

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OP - yes, you are correct. There are plenty of “ifs” on this, though. Social security would count towards it, as would dividends, and RMDs. RMDs are unavoidable. I talked through this with my parents, and my mom has an 80k pension, so that alone screw this up. Flip side is that she doesn’t really need to draw anything down, so everything in Roth becomes inheritance, essentially.

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Please always take everything I say with many grains of salt.

What do you mean post tax? What 80k threshold are you referring to ? Very confused by the statements in this question.

Post tax meaning after my withholding. Not investing like a 401(k). Right now the rate for LT capital gains for a married couple filing jointly is 80k. Meaning if you make less than 80K - your LT capital gains rate is 0%.

Yes up to 80k for married. But you're betting heavily that will be there in a few decades. Who knows if the tax code with change by then?

What else did you crystal ball say about the future? Please do share

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What about your SO’s income considerations?

The point would be we both stop working at 55 and retire early. And then at 65-70 we start drawing from our actual retirement accounts

While OP I think you’re correct on zero cap gain taxes in this situation, keep in mind that 70k withdrawal on 750k assets is nearly a 10% withdrawal rate, which is not sustainable if you start at 55 and assuming you have no other assets. A safe withdrawal rate is closer to 4 or 5%

I'm assuming that over that 30-35 years I'll contribute normally to my real retirement accounts and start withdrawing at 65, when required, or when the 750k runs out which would be 10 years about.

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