I'm 45, still working, and my nest egg is 10% more than I need to retire and start living off SWR.
However, most of that nest egg is locked up in tax-sheltered accounts for another 14.5 years (when I turn 59 1/2).
My taxable accounts make up only a small portion of my nest egg. in fact, if I did retire now, calculations project my taxable would run out by the time I turn 54.
Any suggestions? Anyone FIRE at an early age, and burn through their taxable accounts before they hit 59 1/2? I'd like to avoid SEPP'ing if I can.
However, most of that nest egg is locked up in tax-sheltered accounts for another 14.5 years (when I turn 59 1/2).
My taxable accounts make up only a small portion of my nest egg. in fact, if I did retire now, calculations project my taxable would run out by the time I turn 54.
Any suggestions? Anyone FIRE at an early age, and burn through their taxable accounts before they hit 59 1/2? I'd like to avoid SEPP'ing if I can.