I'm not kgtest, but I'll answer anyway. I will be 60 when we retire next year. I am still contributing enough to tax deferred to keep us just at the top of the 22% bracket for taxable income, but not more. It does not make much sense to me to save 24% now just to pay 24% next year, so I'll pay the tax now and have a little more flexibility after we retire as to where and when to draw money.
In ER, I will be backdoor converting up to the 22% as I've been doing *up to 15 prior to change.
Spreadsheet shows I will have about 25/75 after tax funds available at ER at 50, and more like 50/50 come RMD. I THINK that will allow some flexibility.
Then since my first decade of ER is going to be somewhat cheaper than the second, I will do more aggressive conversions, while living off cash, brokerage dividends and some rental income. The three legged stool...until tiny Pension, SSA , Spouse SSA and then RMD kick in 6legged. Then I start having a real tax problem, add a couple sizable 1mil+ trust/inherited IRAs and those RMD schedules (7/8 legged) and I will have a bigger torpedo. This of course assumes I stay healthy, my family doesn't experience financial tragedy, and tax code doesn't vary too much.
Currently saving at a rate of 46% HH gross, next year projected 58% of gross. Once daycare is done, possibly a little more >70% but likely I just invest that extra yield into the 529s or a taxable.
I was going to buy another property in Florida to offset tax liabilities, but I am gonna put that on hold and enjoy my summer, let the cash build up again and tackle it next year. Prob unwise with interest rts rising but more cash means less interest.
Soo in a long winded reply, and not to hijack OP thread, that is somewhat my approach.