davpal has a good answer... 401ks are the governments idea for people who are horrible in saving up for retirement to have a plan... it doesnt mean its the best plan...

people who can only think for the weekend or what new jeans they are going to buy are the ones who need a 401k.... but even they will end up on government pay in the end...

land or real estate on owned land will pay in the long run... the only thing is is.... do you have enough in your 401k after taxes to buy any ground??????

maybe a downpayment?? make sure it is a good enough down payment to survive an agriculture crash... it happened in the housing market and can happen in ag just as well...