<prompt> Human: I understand the importance of investing into tax advantage accounts, but at a certain point should you start investing in accounts you have access to before retirement age. I feel like it would suck to have 2 million in a retirement account at 50, but still be forced to work. EDIT: Because if you have 2 million at the age of 50, by the time you have access to the money it will be around double.  <response>: You can withdraw from taxed advantaged accounts before retirement age: 