31M, 635K NW wanting to FI/RE- Reduce Roth contributions and shit contributions to taxable?
Active Duty military. $610K invested ($328K taxable brokerage, $172K Roth TSP, $118K Roth IRA).
Looking to FI/RE around age 47. Will have a military pension as well (approx. $55K/yr in today's dollars, inflation adjusted).
Per my calculations, if I completely stop contributing to the Roth IRA and Roth TSP...assuming a 7% real return annually, by the time I reach age 60, I should have $1.9M in today's dollars ready for tax-free withdrawal. That + the pension + possible social security (if it still exists) means I should be well covered from age 60 onwards.
Single/no kids/no plans for any either.
My attention now turns to the FI/RE goal as I want to FI/RE at 47.
If I channel the entirety of my $50K/yr retirement contributing to my taxable brokerage and don't put in another cent into my Roth IRA/Roth TSP, I estimate having $2.2M in today's dollars at age 47 assuming a 7% annual real return in my taxable brokerage alone. That combined with the pension would easily support my FI/RE goals.
Is this smart or am I overlooking something?
Thanks!