I am 60 male, single, no kids and ZERO debt. My current retirement savings is right at 800K. However, these assets are the total for my 403(b) and my Roth. My 403(b) has 625K and my Roth has 175K. I

**DO NOT**have a taxable account for retirement and now I am wondering if this is a mistake. I have 2 plans in my employer's 403(b), which is with TIAA. The Defined Plan is what my employer voluntarily contributes, which is 9.5%. The Deferred Plan is the supplemental plan that the employee contributes, which I do at 13%. I was thinking about stopping contributing to my Deferred Plan, and use that 13% to open a taxable account for retirement with Vanguard. It comes out to $725 a month. I have 5-7 more left till retirement, so that can add up and than I will have 3 sources for retirement savings...My 403(b), Roth and Vanguard taxable account.

**My current health insurance continues in retirement at my current premium, which is a HUGE plus, but I must stay employed there to 65 and have 25 years of service, which I will have 32 years at 65.**

So my question is how important is it to have a 3rd source for retirement in a taxable account?

Also, I do have 2 Ally Bank online savings accounts at $55,000.

Would this be a wise move?

Thanks

Michael in NJ