Texasline. In re-reading my note, I owe you an apology. I didn’t mean that you needed to educate yourself, rather it was meant as a broad statement to all reading the blog about picking up the book, reading it and giving back ideas that might give me additional insight into these issues. More to your point, when anyone “sees” the big picture, one is less likely to trust their retirement in a 401K and rather invest in investment real estate that cash flows.I’ve stopped putting my money into a simple IRA and I’m looking to get out of all debt and then buy commercial real estate that cash flows. I’m afraid that most people who buy property as investments in san diego do so for capital gains and not cash flow. Not being able to get to your 401K money is just another reason not to use a 401 K as your retirement vehicle. Again, sorry if my comment was taken as a criticism.