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@takeonme In probably 99% of cases, it makes the most sense to max the tax-advantaged accounts, lower your taxable income, and enjoy tax-free growth there. You can get those funds out of the 401k early later on if you wish.

@only2memberfamily But you probably only need about 5 years of living expenses in a taxable account to retire early since you can use a Roth conversion ladder to get funds out of the 401k at age 45. Usually it still makes sense to max out the tax advantaged account(s).