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Reply to "Anyone else dealing with this issue of "gap years" before retirement? "
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[quote=Anonymous]DH and I, late 40s, were both raised very middle-class. We have been able to save well and have been diligent about it, but we did not have any ideas about tax minimizing etc. We have been doggedly maxing out retirement and only after adding to a brokerage account. Champagne problems, I know, but now I discover that our retirement accounts are likely overfunded. And our brokerage fund isn't that big. So, if you add up our assets, we could probably retire in 5 years, but we can't really because all that money isn't accessible until 59.5. And then by the time we reach the age of RMD, the 401k balances will be huge and we will have to take large RMDs. We weren't previously thinking about retiring so soon or this would probably have been on our radar, but now it's just irritating that our total will be sufficient to retire but not in the right buckets. I would love to hear any thoughts and also hopefully warn others who may be in a similar boat. [/quote]
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