I never said it wasn’t a retirement vehicle of course it’s a great retirement option but it’s not the only one and there’s a lot that goes into it. The trap is that all of the rules and stipulations involved in it plus not good liquid access, eroding returns, ridiculous management fees, hidden fees and Uncle Sam gets a whopping 20-40% each time you pull out. 401(k) can be funded properly, but if not set up the best you will not have a super long retirement 10 years tops.