Hell yeah. Once my wife quit her w2 job we cashed out her 401k, it wasn't much ($20,000). I remember it being the biggest pain in the ass, took multiple months. Even though it was supposedly the best in the business, Vanguard.

We don't have anything in the traditional system anymore besides maybe https://gosteward.com/ but honestly I don't consider that traditional.

It felt so freeing escaping that system. We sold our rental in 2022. Ohh boy the capital gains tax on that one SUCKED!!

I don't know if taxes will go up or down. Something in my gut is telling me that in 10 years they will start massively passing tax cuts to have children. The population collapse we very real and eventually its going to get bad bad. It would be epic if it was 10-15% off income tax for every kid you have. Texas does something like this on a state level, it if passed.