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At 25 years old, you are probably taking your first steps in your journey towards financial freedom. Lenders consider your 401k as part of your reserves, so losing ~40% of it through liquidation will be a huge hit.

Age 60 seems very far away, so you are likely tempted to take that out now and use it to expedite your journey towards financial freedom—especially after seeing the two tables below: Given the assumptions mentioned above, the 25-year-old will have to earn 8.50% annually on his/her liquidated 401k to achieve the same type of returns as they would on their current 401k. Absolutely, especially with the wealth of knowledge here on Bigger Pockets and the four wealth generators of real estate. Not only that, but using what you have left for a down payment will be a double kill. In the analysis above, we assume your 401k is handled by a financial advisor and is diversified amongst a plethora of mutual funds, index funds, bonds, stocks, etc. The analysis suggests that despite the tax-deferred earnings, there is a high probability that you can attain a better annual return on a liquidated 401k (8.50% ) by investing it yourself.

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The Białystok Ghetto was set up by Nazi Germany in occupied Poland soon after the German invasion of the Soviet Union.

In February 1943, the first wave of mass deportations to Treblinka extermination camp took place, organized during country-wide Aktion Reinhard.

Most financial advisors and older folks will tell you that it’s better to contribute to your 401k and let it grow tax-deferred.

Meanwhile, the younger folks in pursuit of early financial freedom are skeptical of this advice—and rightfully so.

If your goals are to accumulate maximum net worth, then the self-directed account makes the most sense.

Invest the solo 401k/self-directed IRA in real estate (or other higher yielding assets) tax-deferred.

There is a high probability that this will either prevent you from taking out a conventional loan or at the least increase the cost significantly. Fortunately, there is a way for you to invest in these same high-yielding assets (i.e.

real estate) with your 401k without taking the penalty.

This way, you can experience both the phenomenal long-term returns of real estate as well as tax deferred growth.

If your goals are to attain early financial freedom and you don’t care much about the returns of the 401k, it makes more sense to take the loan out against your 401k, use the proceeds from the loan to assist with your down payment, and pay your retirement account a relatively low interest rate of ~4%.

Rather than having your 401k held with a financial advisor and being diversified amongst asset classes that return ~7% annually, you can move it to a self-directed IRA or a solo 401k to manage yourself.

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