I’ve read it many times, with many different responses from the sub and sidebar. I’ll kick off the discussion today:

Do I do IRA (and what kind - Traditional or Roth) or just skip ahead and continue with my 401k?

Stats: 1) 130,000 salary 2) Currently saving up to employer match - 6% 3) Retire at around 50-55, FatFire. 4) Once debts paid off, want to start building nest egg for pre-59.5 years old withdrawal. 5) I am in great expense ratios (0.04, etc) in my current t401k, but glad to explore other options. 6) Even though I’ll be FatFIRE, I am unsure if I’ll be making more in retirement than now because of my 30% savings rate and ~20% expenses will hopefully be gone / debt free.

I’ve read many opinions; 1) Do Roth IRA because of diversifying tax code, and you can withdraw contributions tax free anytime. 2) Do traditional 401k because of tax free growth, and my expense ratios are good. I can always do madFIentist Roth ladder. 3) ... is there a third option where I can do Roth 401k and withdraw contributions tax free? 4) Yes, I am maxing our HSA.

Thanks and happy Sunday!