Maintaining a taxable brokerage account for dividend investing provides necessary liquidity for early retirement withdrawals before traditional retirement age penalties expire.

“the flexibility of my taxable account that's I think that's that's pretty big for me and you know with the Roth IRA you can't start withdrawing the profits or the income until you're you know almost 60 years old without penalty I I plan on using starting to use my dividends like long before that”