LOL!! What’s a 401(k)?
I never had one either, I started working for myself early, and retired early. I used a Simple IRA, but very little of my assets ended up in it, I wasn’t allowed to put enough in. IIRC, about 20% of Americans work for themselves, and are never included in these types of articles. Career self-employed people tend to have higher net worths than most employed people. There’s a big hole in all the articles that cover retirement situations.
It’s a way to make Joe Biden the business partner in your retirement. Invest wisely for Joe. Otherwise, or maybe just because he can, he’ll take it all.