These sorts of things are termed “first world problems”.
Thanks to a divorce 24 years ago and the subsequent complete loss of faith in our system, I don’t have to worry about this. ;)
My savings is not under the Fed’s radar. It’s not illegal. It’s just the type of stuff they can’t really hurt you with. Stuff like real estate (raw land).
The faster one gets to their half a million nest egg the more they’ll gain in their lifetime. Could make them lazy while their investments are on auto pilot but then the younger workers would be busting their butts.