It's Brian Preston, the money guy, restoring order to your financial chaos, retirement,

investing, taxing.

You've got financial questions, he's got financial answers.

It's Brian Preston, the money guy.

The next one is another question about our taxable buckets.

And I just couldn't resist asking it because it was such a good question.

So Braden is 29 and he's married.

And they max out all tax-advantaged retirement accounts, which is 45% of their take home

pay.

So not sure how much that is of gross income, but it sounds like it's probably at least

25% of their gross.

And they want to know how to know when they start filling the third bucket of a taxable

account, assuming a typical retirement age.

So if they're retiring at 65 or 67, when do they need to start worrying about a taxable

account or do they and how should they look at that?

Yeah, this is, did you say 40 or 45% savings rate?

45% of take home pay.

45% of take home.

Man, Braden is definitely a financial mutant because that's incredible.

I mean, that's one of those things where if you're saving 45%, I'd have written 40%,

so 45%, that's got a gold star on it.

Braden, here's what I would tell you, if somebody was saving at that threshold and I

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