The 401(k) plan originated from a section of the Internal Revenue Code (IRC). The rest of the lines of code outline all the restrictions on how I can use my money. The more I scrutinize the 401K the more I see it as a scam to limit the conversion of my work into saved enegry. Like having a vampire draining my enegry.
Discussion
This is why my wife and I years ago cashed out our “retirement” accounts and took the penalty.
It moved us closer to what we wanted (part of which was her staying home with our son)
Since then we’ve built businesses and the ROI has far outpaced the penalty
Bold move. Glad you are getting the positive returns on your goals. I’ve got a similar idea simmering.