Tax-deferred or not?

[peggy]

DH is 44, I'm 37. We're on track to at least semi-retire by January 2010.

What I've been thinking about lately is this: given the very early ages (49 and 42) at which we want to retire, does it make more sense to put money into tax-deferred accounts (and deal with 72t early withdrawals for 9 years or more, etc.) or taxable accounts that we can draw from without penalty?

Any thoughts would be appreciated.

 

[maddythebeagle]

I am in a similar boat to you. Planning for FIRE in my early to mid 40s. My planning is tap my pension at age 55 (earliest can get money for what I plan to be 20 years of service)

I am working on moving more of my savings to taxable accounts. I am age 32 and hope to draw dividend income and sell some for capital gains from age until 55. Capital gains and dividend taxes are lower than ordinary income tax also (which you will have to pay out in the tax deferred accounts).