I've seen a lot of talk about being properly diversified across different tax buckets (USA). I am currently heavy in pre-tax with a little Roth and no after tax brokerage. What's the consensus on the ideal amount to have in each tax bucket? I don't have access to an HSA.
For me personally, I'm a high earner who would like the option to retire a bit early. Not sure if I stay mostly pretax and if I retire early use 72t/rule of 55 and/or Roth conversions. Or is it better to drop my pretax savings and fund after tax?
Im tempted to aim to split it 1/3 each, but I'm not sure that's ideal.