On Sun, 10 Aug 2014 21:13:01 -0400, BAR wrote:

The idea that the money in your 401k will be taxed at a lower rate
than when you were working is a joke.

SS is going to be a means tested welfare program.

There is nothing stopping you from pulling money out of your 401k/IRA
when you are 59 1/2 and investing it in other investment vehicles.

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What stops you is having all of your funds become immediately taxable.
You're far better off to let your returns roll forward untaxed until
you withdraw them. I'm personally of the opinion that it is better to
roll 401K money into an IRA however. An IRA usually offers lower
fees and a wider choice of investments.