<prompt> Human: Ive been reading advice on PF which pretty much says to max out retirement accounts 401k and IRA. If my goal is to retire early lets say around 45-50, how does it make sense to put a lot of money in retirement if I wont be able to access it without penalty until Im in my 60s?? What am I missing here?Thank you so much for the quick reply and all this valuable information. Really appreciate it! :  <response>: Read this: 