Now let's go. Let's start it off with Matthew's question. He says, in retirement, do you

have a target allocation percentage for each bucket? Does this vary depending on your

retirement age? For example, do fire people or financial independence retire early

have need a higher taxable brokerage? What do you think?

To answer the very last part of the question, yes, if you are someone who is fire, if you

are someone who's planning on exiting the workforce early and you don't have a source of income,

you don't have a rental property, you don't have rich uncle, you don't have something that's

going to provide income to you while you retire early, then absolutely that after tax bucket,

that third bucket is going to be larger, going to need to be larger, then someone who's

just retiring at normal age, retiring at 65, when they're going to be able to get access

to their retirement accounts and they're going to be able to get social security and those

types of things. So the answer to your second part of your question is yes, that wouldn't

need to be higher. The first part's a little more intricate, bro, he said, is there a target

percentage for each? Well, here's what's really interesting, all of our financial journeys

are so unique. All of the tools and things available to us are unique. Maybe you work at an

employer that says, hey, if you put in 22,500 in your 401k, I'm going to match it 50%.

Don't put $11,000 in there are employees, you guys tell us there are employers out there that

do that. Well, that's step two of financial order of operations. That's free money. You got

to do that. You got to be building up either that pre-tax or that Roth bucket so that you don't

miss that. Contrast that to someone who says, hey, I don't know how to actually have a 401k

work. I'll work at an employer. There is no 401k. Well, that person has to focus on Roth

IRAs and HSAs and then after tax brokerage accounts, they have to do it that way. So your specific

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