40 years old. Ideally I’d like to retire in my mid-50s. Feeling pretty good about tax advantaged accounts:

Trad 401K $700K
Roth 401K $125K
Roth IRAs $260K
HSA $45K.

However if I’m really going to retire early, I’ll need to rely on my brokerage account for the bridge years, and currently only have about $140K saved there.

At what point is it worth it to de-prioritize tax advantaged savings to concentrate on brokerage savings? I’m also a bit worried about RMDs down the line which is why I’ve shifted to Roth 401K contributions recently (company match still goes into traditional).

FIRE number is ~$3.8MM but with two preschoolers it’s hard to predict expenses for the next ~15 years.