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Thanks Cathy63. That makes it much easier.

What changes to Roth vs 401k contributions should I consider making if the current payroll tax cut idea becomes a reality? If my payroll taxes go to zero, it would make sense contribute to post-tax retirement accounts only because it would end up being the same amount in, with better tax...

Thanks all! levindb: The reason to roll the 401k into multiple IRAs is to take SEPP from one, while still maintaining some flexibility / control / ability to contribute to the others? Is using SEPP a typical plan for FIRE, or is it more common that people have retirement accounts, and then...

I listened to a podcast recently and got the impression that there was a way that 401k/Roth funds were available before 59 1/2. Is that correct? I am close to maxing out my retirement contributions each year, but haven't because the availability of the money for use at any age is appealing. It...