Subject: Re: Investment/Retirement Accounts
“As someone else said, it is probably best to have something close to a 50/50 split (roth/tradIRA). I think some people are too obsessed with Roth accounts and will likely pay a lot more taxes to convert into Roths than they need to.”

I ended up at a similar 55%/45% Roth/TIRA split after conversions over the last 3 years post early retirement. Feels like a hedge and provides a bit more flexibility.

Thanks for this thread as I’ve focused on growth of assets much more than a detailed retirement plan and optimization of taxation in retirement. We are trying to shoot to stay within that 22/24% bracket and live relatively modestly. We had kids later than most, so we have that expense for another decade or but it’s so cool to be asst. baseball & basketball coach & play golf 2-3x/ week with a son who loves the game as do I. Been trying to expand my mind with more reading & music & even considering meditation beyond a bit more disciplined exercise regimen. Honestly, no regrets retiring a bit early from medicine after 30 years.