38M $700k NW but 85% of that in retirement accounts, need advice
15% of it in brokerage and the rest in retirement accounts, no kids. Making around $1200 in rental income after expenses (taxes, prop. maintenance fund, etc.) and $130k in my job. I am not including the value of my property in my NW but I'm planning to sell it to maybe buy one to live in in my home country. Plan to use the $700k for slow traveling around the world but not sure how to deal with most of the funds being tied to retirement accounts. Would you leanfire in this situation? Any strategies to avoid early withdrawal penalties from retirement accounts? I'm aware of the conversion ladder but not too confident on waiting 5 years to start spending it. Should I just work a couple more years to build a larger buffer for that 5-year gap? Thanks in advance!