[USER]

If I’m planning on retiring early, should I prioritize my brokerage account or my retirement accounts (Roth 401K and HSA)?

And which retirement account should I prioritize in my contributions Roth 401K or HSA?

Currently it’s 50/50 between Roth 401K and brokerage account. And a $50 biweekly contribution to my HSA.

[Grounded]

Your 401k is going to be worth more in retirement than a regular brokerage account due to the tax advantages, but you also can’t use it until 59 1/2.

I’m not sure which should be prioritized for FIRE.

I also do about a 50/50 split

[Sean]

You should probably prioritize traditional 401k not Roth.

[Luciano]

401k to the match, roth to the limit, brokerage account fir the rest is what I am doing and would recommend

[Sean]

Depending on your tax bracket, focus on brokerage account, Roth, then 401k.

I would put the HSA at the front of the list once you have a good head start in the brokerage and Roth accounts.

[Author]

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