[quote=flu][quote=spdrun]That’s money you can’t touch tax-free till you’re 65. Whereas property gives tax-advantaged income virtually immediately. (Barring drastic tax changes.)[/quote]

Wrongo… Actually, if you wanted to you could touch it and borrow against it, and pay yourself 4%, up to some of the plan’s conditions. [/quote]

There are other ways too.

Many 401Ks have hardship clauses where the money can be accessed penalty free at any age.

If you retire at 55, you can access the money penalty free.

And at age 59.5, you can access the money penalty free whether you retire or not.