 here's your chill on money question of the day tim from boston asks i'm 55 and i'm considering retiring early maybe as early as next year at age 56 should i cut back on my 401k contributions now and redirect into my pretty hefty brokerage account now i'm considering how i will bridge the gap between say age 56 and 59 and a half tim i am with you if this is the plan then yes let's build up those taxable assets