Building a Non Retirement Account

You're not going to pay taxes on it because there's no tax to pay on it. And after a certain period of time, you are going to roll that over or convert that to a Roth IRA. Do not forget the power of taking additional monies and building up for you a non retirement account. If you're doing all of these things you're saying at 31, you are not necessarily going to need to wait till 59 and a half to retire to take money out of these things.