What’s everyone strategies with maxing out your 401k but investing less in a brokerage account if you want to retire early? I understand the tax advantages but am still curious how people approach this with their own accounts

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Early on in my career, I was unable to max out my 401k bc I needed the cash flow, but I always put just enough to get the company match. I maintained that same approach even as my income increased, using the extra cash flow to fund an investment account and also build up a bigger and liquid safety net.

Now, in my early 50s, my taxable retirement acct is larger than my retirement accounts, with a lot of that coming from strong investment returns (single stocks) over the years.

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Great info! Thanks for sharing

I max out 401k, but instead of putting money into brokerage, I’m paying down debt related to rental properties. I’m sure at some point I’ll put money into brokerage but it’s not a priority for me.

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For me, I still max out my 401 (k) for the tax benefits and the match. I use a taxable brokerage for extra investing so I have flexibility if I want to retire early, and it basically bridges the gap before I can touch retirement funds. At least, that is the goal.

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That’s what I’ve been doing too—thanks for sharing!

I try to contribute to my 401k based on the company match. After that, the remaining funds will go to my brokerage account

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