What allocation would you use for Roth vs non-Roth?

[Stormy Kromer]

If I were to go back in time, the most I would put in my 401k would be enough to get the max company match. If available, I’d do Roth up to the max allowed. I’d concentrate more in my brokerage account. Instead I ended up with most of my wealth in tax deferred accounts and I’m having a hard time getting the funds out at a lower rate than what is saved going in.

Same here. I am FIRED at age 59.5 and am glad I put as much in the Roths as I did. I'm in the same tax bracket as when I was working full time due to investment income (a lot of real estate rental). I'll be starting SS in a few years, and then RMD's begin. I'll be in a higher bracket (state & federal) than when I was working full time.

The Roths and brokerage account funds look pretty good, plus they're more efficient tax wise in your estate.