[andrewmcwatters]

what's pisses me off about these calculators is they completely ignore deduction limits[-1] and considering the audience here, there's plenty of people who do not benefit at all from contributing to an ira, or even a 401(k) if you plan on retiring earlier than 65

in fact, it's detrimental, compared to the fund flexibility of a standard brokerage

i wish people would talk about this more; perhaps there's something i'm missing, but after a certain income threshold, iras and 401(k)s seem like foolish investment decisions

[-1] https://www.irs.gov/retirement-plans/plan-participant-employ...

[astura]

Use can use the Roth conversion ladder to access retirement funds early.

https://www.moneyunder30.com/roth-ira-conversion-ladder

You can use a Backdoor Roth to get around income limits.

https://www.rothira.com/what-is-a-backdoor-roth-ira

Anyways, this "caluculator" didn't mention anything about taxable accounts vs tax advantage accounts.