The problem is you're not explaining how this would be a preferable situation. Youre mistakenly assuming that if employers don't provide things like 401K match

The problem is you're not explaining how this would be a preferable situation. Youre mistakenly assuming that if employers don't provide things like 401K match or whatever that instead you would pocket that money. I have no reason to believe that to be the case. In fact, everything I've seen in my life makes me confident that is not the case. This reads like self-sabotage.