(caution, thread creep)

Some considerations, based on my understanding--additional/amplifying comments accepted and welcomed.

--There are are "Roth" IRAs and "Roth" 401Ks. No RMD for the IRA version ONLY.

--Your 401K monies are generally more shielded from litigation than IRA monies. Laws vary by state. Nobody plans to get sued, but as you accumulate wealth, it may be prudent to have some defensive plans. A Captain I flew with many years ago explained why it's a good idea for pilots to have an "umbrella" insurance policy, something I had never considered to that point.

--BTW, These are all good problems to have.

Appreciate the discussion and seeing what others are doing.

I guess I would say my side hustle is living an enjoyable life, well within my means, while I still have the physical health to do so.

CCN