u/AntiGamble

Hey ya'll. Been doing my retirement math and I never thought it'd apply to me, but turns out it does - I am over invested in my IRA and 401k. Planning on retiring in a couple years at 40. I am no longer adding new investments as I want a solid cash buffer for the first few years. Even accounting for pulling IRA principal and converting my 401k to Roth IRA and pulling principal, I probably won't have enough to make it until 55 (when I believe there are some tricks to be done?).

All this to say, do the math and figure this out earlier than later if you're planning a rather young RE and have been pumping $ into 401k and IRA.