I'm looking at numbers for ER and speculating how ER at age 55 or earlier would work for me, and I realize I need two pots of money, one in standard retirement accts, 401k etc. that are all tax-deferred, but can't be withdrawn before 59.5 yrs, and another pot in taxable accounts to cover me from 55yrs to 59.5 years. Running current investments in firecalc and ******** I see that I am getting close to having enough saved in my current tax-deferred retirement accounts to cover pot 1, so at some point I need to switch and start working on pot 2, but it feels like a real waste to not continue investing in tax-deferred accounts to get those capital gains tax free. Perhaps the answer is SEPP withdrawals. Is there a standard line of thinking regarding this "problem"? Perhaps people plan to use SEPP to cover their absolute minimum expenses and then only save enough in taxed accounts to cover the gap/variation between minimum and desired expenses? Is there any concern that SEPP will not be allowed anymore 20 years from now?