https://kubernetes.io/docs/setup/production-environment/tools/kubeadm/ha-topology/#external-etcd-topology
Stacked etcd topology
This topology couples the control planes and etcd members on the same nodes. It is simpler to set up than a cluster with external etcd nodes, and simpler to manage for replication.
However, a stacked cluster runs the risk of failed coupling. If one node goes down, both an etcd member and a control plane instance are lost, and redundancy is compromised. You can mitigate this risk by adding more control plane nodes.
External etcd topology
This topology decouples the control plane and etcd member. It therefore provides an HA setup where losing a control plane instance or an etcd member has less impact and does not affect the cluster redundancy as much as the stacked HA topology.
However, this topology requires twice the number of hosts as the stacked HA topology. A minimum of three hosts for control plane nodes and three hosts for etcd nodes are required for an HA cluster with this topology.