401k's and IRA's are not obligatory. If you wanted to invest your money to start your own business, no one is forcing you to put that seed money in a retirement

401k's and IRA's are not obligatory. If you wanted to invest your money to start your own business, no one is forcing you to put that seed money in a retirement account. Plus Roth IRA's can be withdrawn from at any time... And, even if retirement accounts do impinge a bit on things like small businesses, do remember that stable retirement prospects are a social good.