Secrets of the 401(k) Millionaires

[supernova]

3. Only with steady employment

does this work. You have to have no layoffs. No second jobs just to make do. And keep your funds consistently in the same place.

Make no mistake, I agree with you and would have done this very thing, if...

... If my jobs had not disappeared one right after the other.

... If I hadn't had to instead get low paying jobs just to pay the current already no frills bills, never mind saving.

... If I hadn't had to dip into my savings just to keep going.

...If the brokerage house I was with hadn't dropped me like a hot potato the minute my savings started to disappear.

Yeah, at 50 I'm starting over (again.) This time with a completely different plan. And no. I want nothing to do with company plans. I never qualified for them and never was able to stay anywhere long enough to make them worthwhile. I'll do a Roth IRA and my own brokerage account and my social security. That will have to be enough.