Depends on WAY too many factors. Monetarily it generally makes sense. I knew I was on a path to retire early pretty quick so I didn't want to be too reliant on retirement accounts. Decades of money tied up after retirement? Yet you could pull principle out of a ROTH so that was a decent strategy. I also had the extra option of retiring in the EU. In this subreddit you have enough assets to do a lot and 30 years from now you might want to live in another country where retirement accounts are sometimes not treated well. There are double taxation agreements but that just means you won't be taxed twice, not that you won't pay much higher taxes. A tax free ROTH might be tax free in the US but not in another country and now you have less options despite having more money. You want to live in Switzerland but you have $1M+ in a ROTH that's now not tax free if you move.