@@annacui1 Good question! It's actually not that difficult to take money out of your 401k before 59.5 without paying the penalty (but not without paying taxes). The Roth Conversion Ladder and SEPP (72t) are 2 popular options in the FIRE community.
@@raymondwzeng I had the same question - thanks for the answer. Followup question: Why bother putting it into the 401k if you're gonna take it out again and pay taxes on it anyway?
Thanks for the question! Beyond the match (which I may or may not vest, depending on if I stay at my current company long enough), I anticipate that my AGI in retirement will be lower than it is now. It makes sense then to defer taxes now vs. paying them now.
That's definitely one of my focus areas now - improving my fitness and diet for longevity. Focusing on a few things (not eating like shit, zone 2 heart rate training almost daily) but nothing crazy. How do you tackle your health?
