We want to retire in 10 years and can't touch our 401(k) until we reach 59 - what's the ideal way to fund our lifestyle?

A Redditor in the Fat FIRE subreddit seeks advice on bridging the gap to access their 401(k) plans without penalties. One spouse is in their late 40s, the other in their early 50s, and they consider whether Roth contributions are beneficial given their high tax bracket. The article suggests continuing to work for income and utilizing taxable brokerage accounts, potentially withdrawing at higher rates than the traditional 4% rule. It highlights the importance of strategic financial planning and consulting professionals when needed.

If you already have a high net worth, you can take a more flexible approach, opting for work that provides more flexibility instead of feeling burnt out.

Understanding short-term strategies to access cash before turning 55 can enable you to retire sooner if you desire, making a significant impact on your financial transition.

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