Why You Should NOT Invest In A 401(k)

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Show Notes

Don’t get us wrong. In many cases, your 401(k) can be your best investment vehicle, offering numerous benefits and tax advantages and many times a 100% return on some of your contributions (also known as an employer match). However, it’s important to recognize that it might not always be the optimal choice for everyone. Join us in this thought-provoking episode as we dissect 5 reasons why someone should NOT invest in a 401(k).


By considering various scenarios, such as the absence of an employer match, the importance of having an emergency fund, future tax implications, and the benefits of control and flexibility, Scott will present alternative perspectives on retirement savings. Tune in for a conversation about assessing your individual situation and discover how adjusting your investment strategy and exploring other options could potentially benefit you!


Here’s what we’ll discuss in this episode:

  • If you don’t have an emergency fund or are swimming in debt. [2:44]
  • Your employer doesn’t match contributions. [5:35]
  • If you might need the money before retirement. [8:40]
  • You’re worried about the structure of the plan. [14:06]
  • If you’re worried about future tax implications. [17:10]

Thanks for checking out this episode of the podcast. If you’d like to learn more about financial and retirement planning, check out our YouTube channel here.