[Round Earther]

Cut back on spending, max the 401k, put every other penny into a brokerage or high yield interest savings account, and if your mortgage in under five percent, make the minimum payment.

[af_vet_1981]

Cut back on spending, max the 401k ...

401K Roth or IRA is the issue, but long time accumulation through compounded growth of very low cost stock index funds over 40+ years has the best historical track record. Of course past results are no guarantee of future results, and one rule to remember:

Matthew 6:

19. Lay not up for yourselves treasures upon earth, where moth and rust doth corrupt, and where thieves break through and steal:
20. But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal:
21. For where your treasure is, there will your heart be also.