I've been maxing out my retirement accounts - but is it actually hurting my early retirement goals?

When planning for early retirement, it is crucial to have a bridge account that provides accessible funds before reaching the age for tax-advantaged account access.

While tax-advantaged accounts like IRAs and 401(k)s allow investments to grow tax-free or tax-deferred, they come with restrictions that make accessing funds before retirement age problematic.

Maxing out IRA contributions is common among those in the FIRE community, as it significantly contributes to achieving retirement goals, yet balancing this with cash accessibility remains essential.

Both tax-advantaged accounts and bridge funds have their pros and cons, but finding the right balance tailored to individual retirement timelines and needs is vital.

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