We do not have a 401k plan as such in our packet.

The first managers on our place were putting all there savings in the bank ( 8 years ) and when they decided to retire, they were able to buy a house cash.
We as there replacement doing the opposite.

We bought a little ranch were we are at every Sunday and Monday and slowly renovating it to our liking.

By the time we will retire, approx 3 years from now, it will be paid for and we can live there permanent.

The place will be free hold and we both will receiving social security and my husband will also have a pension from Holland.