Subject: Re: Advice for my son
Hi Smufty,

I would say that maxing out the 401k for 10 years or so makes a lot of sense. He would be drawing down the taxable account, but perhaps by a little less each year as his salary increases. Being so young, he has the opportunity to balance where his retirement savings are held, so he has flexibility in retirement. I was able to retire early with my funds split 40/30/30, taxable, tax-deferred,and tax free. This allowed the flexibility to take full advantage of ACA subsidies,while still having plenty to spend. The more options for income generation, the better.

Jim K