31 years old and investing 10% into my 401k and get an annuity from my union of $10.70/hour and a decent pension. I feel pretty confident if I keep everything as is I will still be able to retire comfortably. Our union allows us to take our pension without penalties at 58yo so that’s the plan as of now. However, I would like the option to retire even earlier if I wanted to. Our union offers the traditional 401k or a Roth 401k (both no match). I’ve always wanted to max out my 401k but obviously if I were to want to retire early then I wouldn’t be able to withdraw without a penalty. Would the best option for me at this point be to keep everything as is and start a brokerage account with steady growth funds (let’s say an additional 15% of my income). Or should I max out my 401k and then take any additional funds and do the brokerage account?
Currently have $88.5k in annuity and $17k in my traditional 401k account. Salary is $100k/year currently and increasing to $125k next year.