E-Money's gonna start us off. He says, if you want to retire early, how do you balance

your Roth and after tax buckets? Should you aim to nearly deplete your after tax bucket

by age 59 and a half?

Well, I think in a perfect world, the goal should never be to completely deplete any

bucket, right? Now, in reality, it happens. You spin them down, you spin them down, you

spin them down. But when you're talking about retirement, retirement early, I don't think

that the goal should be to completely deplete that after tax bucket because what happens

is, if you can build all three buckets into retirement, whether it's early retirement

or whether it's traditional retirement, you want to have your pre-tax assets, that's

your 401k, your IRAs, the things that when you pull the money out, you pay ordinary income

tax on. You want to have your tax free assets, your Roth, your HSAs that when you pull

money out, you don't pay any tax on those. And then you want to have your after tax,

which is kind of like, when you pull money out, it depends on what's happened in the account

with you pay tax because you can actually tax, manage those accounts so that you have

pretty minimal tax drag through time. Well, in the most beautiful retirement scenarios

that we see, we get to pick and choose which pots we pull from and how much we pull

from each pot in order to maximize the tax game. So it might not be uncommon any one

year, you may be living off of your after tax assets, but you may want to pull out some

of those pre-tax assets early so that you can max out those lower tax brackets, the 10%

bracket, the 12% bracket, and then you supplement with the after tax or maybe you have an expenditure

where you don't want to trip over any sort of like, ermus or charges or you don't want

to have your soul secure to be taxed or there's something like that, you want to use those

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