Allen, thanks for reading and leaving a comment. You are correct on the tax rates, I used flat numbers for simplicity. I’ll spend some more time looking into the techniques you listed, but from what I’ve seen they are limited in scope of how much you can pull out per year. I applaud the FIRE community for their focus on reducing living expenses and finding ways to retire early, but I’m looking for a much more comfortable lifestyle than what I believe I can get from SEPP or 72(t). Plus the investment options in tax-advantaged accounts are limited. I’ve spent my time and energy learning how to be a better investor through real estate and value investing, neither of which I can do in my 401k.

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