401k allows withdrawls at 59.5, which isn't all that late. Anyone planning an earlier retirement is very likely to be investing in normally-taxed accounts in ad

401k allows withdrawls at 59.5, which isn't all that late. Anyone planning an earlier retirement is very likely to be investing in normally-taxed accounts in addition (due to 401k caps), which can they draw from before that. Plus Roth IRAs also allow some flexibility in terms of early withdrawls.