So for the goal of early retirement, what is the best allocation for savings/investments. If I'm maxing out my IRAs, and also contributing as much as I am allowed to the 401(a) through my employer, is the next best pool to fill up my HSA? (It seems like it is for tax-reduction purposes). My question, however, is then what is drawn upon to use for expenses in an early retirement? I understand that you can draw from an HSA with qualified receipts (is there a time limit on those?), but I don't know that I would have enough qualified receipts built up to provide enough money to live off. Do people draw out of contributions to Roth IRAs? Once again, that wouldn't necessarily seem like enough to live on for very long. On that same note, is the idea of rolling over a Traditional into a Roth done in a year when you have no, or very low, income effectively reducing the tax burden on that money? Or, do early retirees need to build up money in a taxable brokerage account to live off until they can access their 'retirement' funds penalty free?