You think you have a million in your 401k.
You do not.
Because the IRS is your silent partner.
You have not paid taxes yet.
That means every dollar is negotiable depending on future tax rates you cannot control.
Take it early and you pay income tax plus a 10 percent penalty.
Wait until retirement and you still have no idea what the bill will be.
The real number in your account is not what you see on the statement.
It is what is left after the IRS takes their cut.
If you want certainty, you need tax free growth vehicles and conversions that put you back in control.
