Sounds like you have a good investment plan in place. I agree with what you're saying about the tax habit. Things related to taxes can be very challenging to understand at times in general, at least for me. But I don't think that the tax "habit" necessarily relates to tax savings at retirement or tax savings after a certain age. That is one aspect of it but I think it mostly relates to the idea of factoring in how much of your invested money gets taxed at the end of the year. Some investments are taxed at much higher rates then others but a person might not realized that because they are taxed at the end of the year. They may not even know the breakdown of how they were taxed at all. Investments that are considered Income (like earned interest) are typically taxed at a higher rate then say dividends. Capital gains are also taxed differently. A person might see their short term gains and think "hey I made 6% return on my investment" but they may not be factoring in that they lost 2% that was taxed at the end of the year making their actual return more like 4%. I think the main idea behind the tax habit is understanding your return on investment at the end of the year after taxes are considered. Does it make more sense to invest your money in a real estate income property or in stocks? Well, how much each investment will be taxed should definitely be considered because it has a big impact on which is the better investment for the long term.

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