Mark Kohler warns against putting all retirement savings in one account type. Spreading money across pre-tax accounts, Roths, HSAs, taxable investments, and non-retirement assets gives you more tax flexibility and access to funds when you need them.
A couple cautionary points. Avoid the one account trap. One of the biggest mistakes I see high earners make is overconcentrating in a single retirement bucket. They find one that makes sense and then just go all in. As hopefully you've already noticed here, multiple ways of investing and strategies and accounts will actually make you more powerful and more successful. Good retirement planning at higher income levels is about balance. A balance across pre-tax accounts, Roth accounts, health savings accounts, taxable investments, and non-retirement accounts assets. It's about how efficient you can access all this money later in different ways or in different situations.
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