Originally Posted by usafLT
Am I missing something about the IRA or am I right to stay away from it for what my plan is? Any insight will help. Thanks in advance!
You still need to fund the years after you turn 59 1/2, so an IRA does have a place in your plans. You should fund both tax deferred and taxable accounts. Build a spreadsheet and play around with different funding scenarios - funding IRA first & letting it grow while funding taxable accounts, the other way around and also funding both accounts simultaneously. My guess
is that you will find it most beneficial to fund an IRA first and then let it grow tax-free, while building funds to support your ER from 45 to 59 1/2.