Concerned about locking up my money in retirement accounts

Concerned about locking up my money in retirement accounts I am doing relatively well financially. I max out my 401k and Roth IRA. But that’s it. I don’t have too much extra afterwards. I’m concerned about tying up the money…what if the accounts grow to 2 million when I’m 45 or 50 (a good 20 or so years away). That’s enough for me to retire, but I’m concerned about accessing the money. I do want to grow...

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