> He misses a massive thing about the 401K.. companies may match and It can lower you into another tax bracket Exactly. Most match up to 3.5%-5% - which is a l

> He misses a massive thing about the 401K.. companies may match and It can lower you into another tax bracket Exactly. Most match up to 3.5%-5% - which is a lot of free money (and this doesn't even take into account if you invest your 401k/IRA)! Since the author advocates putting your money into a savings account instead, author is forgoing a lot of free growth, while gaining virtually no security.