Roth/SEP IRA or traditional IRA?

I’ve spoken to CPAs who tell me that there’s really no chance of accessing funds in tax feee accounts until 59.5 years of age.

I’m 29 on the verge of getting a big salary increase and I’m buying stock aggressively.

My question is do I:

1) maximize contributions to SEP/ROTH and hold my money hostage until 59.5?

2) dump it all in traditional IRA and face hefty taxes?

3) do a combination of both

I feel as if it would be unwise to accumulate let’s say 4 million net worth at 50 and not be able to retire for another decade. Similarly, I feel like it would be unwise to not shelter myself from hefty capital gains and income tax in California. Please help!