Retirement Account 10% Penalty to Access Real Estate

[Isaac Hayes]

I plan to purchase a four-plex in Columbus, Ohio within the next two months. I had planned on liquidating a standard brokerage account for the down payment. However, because I plan to retire and live off passive income within the next 5 years (age 33), I don't like the idea of money sitting in retirement accounts gaining returns that are inferior to what I could get if invested in buy and hold real estate while not being accessible until ~ age 60. In all cases I've found, the math works out that it makes more sense to invest post tax dollars in real estate rather than pre-tax dollars in the stock market (article links below). Because of this, paying taxes and a 10% penalty on my retirement accounts today will actually allow me to retire on passive cashflow sooner than if I kept the money in the retirement accounts (even if I invested in real estate).

Does anybody disagree and think that the money in my retirement accounts should remain there until ~ age 60 based on my goal to retire by age 33 on passive income.

https://financialfreedomcountd...

https://www.fortunebuilders.co...