In r/financialindependence, early-retirement planners debate when to stop maxing a traditional 401k and instead build taxable brokerage bridge money, with some arguing RMDs are usually a non-issue unless you have unusually high balances or survivor tax effects.
When to stop traditional 401k contributions (with RMDs in mind), and start building the taxable brokerage "bridge" money to get to age 59.5?
I’m 36 with ~$530K in a traditional 401(k), fully invested in index funds, and I’ve been maxing it out.
it seems like there’s a limit to how much you can realistically convert to Roth each year without jumping into higher tax brackets.
Don't worry about RMDs, the withdrawal rate is close to what you'll be wanting to withdraw anyway.
But if you lose a spouse and then have high RMDs, it will affect IRMAA and increase taxes.
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