Is maxing out your 401(k) really the best move for early retirement? In this episode of From Middle Class to Millions, I get real about a common myth in personal finance that putting as much money as possible into your 401(k) is the ultimate wealth-building strategy.
I share my personal journey of consistently contributing to retirement accounts while also building wealth through brokerage accounts, real estate, and small business investments all without waiting until 59½ to enjoy the fruits of my labor. You'll hear why I intentionally didn’t max out my 401(k) some years, and how I used that money to create multiple streams of income instead.
We dive into:
When it’s smart to reduce 401(k) contributions
Why the “get the employer match” rule still stands
How to prioritize financial freedom before traditional retirement age
What to do if you're feeling stuck in a high-income, low-wealth cycle
Whether you’re working a 9–5 or growing a side hustle, this episode will help you rethink your money strategy and design a plan that supports your dream life not just a future one.
If this feels overwhelming, book a consult call and let me help you map out the steps to your dream life.
🎧 Mentioned:
Episode 5: Understanding Tax-Advantaged Accounts To Build Wealth
Episode 6: Ways To Maximize Your Day Job To Build Wealth
