Definitely 401K is not for everyone, but it is good for most people.
My employer offers some very good mutual fund choices, but even if they didn’t most offer an index fund choice and since those typically come with pretty low fees, that’s a pretty safe bet.
And you’re also right that the company match adds to the 401K value considerably.
I can understand your preference to rental units vs 401K especially since switching employers often complicates the 401K situation – it is hard to know how future employers will have their 401Ks set up. But it is also hard to know how laws will affect rental properties also, witness this years rent increase limitations.
Thanks for the heads-up on the inherited IRA proposed changes. I’m in that boat. Luckily it appears I will be grandfathered in, but the upcoming changes may influence my decision on how to flow $$ to my kids once I pass.
