Respond to the following paragraph 

One planning strategy I know I will use as part of my retirement planning is increasing contributions to retirement plans and IRAs to maximize asset accumulation. This is already one strategy that I have been putting in place as I have a Roth IRA account and have been able to max it out the past 3 years and plan to do for many years to come assuming it is still necessary in the future. Especially as someone who would like to retire early and knowing those funds can't be taken out until the age of 59 . As another planning strategy and having the head start that I have been fortunate enough to do, retiring at the age of 55, I think is still conservative for me but also depends on how I spend my money as far as traveling and luxuries while I am still young. This brings me to my next planning strategy of calculating early distribution penalties. Hopefully I will be able to find a way to avoid early withdrawal penalties altogether if I do retire early. Since contributions to a Roth IRA can be taken out without penalty at any time, this shouldn't be too big of an issue for me assuming by then I will have tens of thousands in contributions that will be safe to pull out if need be. Along with this retirement account, I will likely have a 401k with my future employer and also have an individual brokerage account as well