Is maxing out your 401(k) really the best move for early retirement? In this episode of From Middle Class to Millions, I get real about a common myth in personal finance that putting as much money as possible into your 401(k) is the ultimate wealth-building strategy.

I share my personal journey of consistently contributing to retirement accounts while also building wealth through brokerage accounts, real estate, and small business investments all without waiting until 59½ to enjoy the fruits of my labor. You'll hear why I intentionally didn't max out my 401(k) some years, and how I used that money to create multiple streams of income instead.

We dive into:

• When it's smart to reduce 401(k) contributions

• Why the "get the employer match" rule still stands

• How to prioritize financial freedom before traditional retirement age

• What to do if you're feeling stuck in a high-income, low-wealth cycle

Whether you're working a 9–5 or growing a side hustle, this episode will help you rethink your money strategy and design a plan that supports your dream life not just a future one.

If this feels overwhelming, book a consult call and let me help you map out the steps to your dream life.

🎧 Mentioned:

• Episode 5: Understanding Tax-Advantaged Accounts To Build Wealth

• Episode 6: Ways To Maximize Your Day Job To Build Wealth

• Episode 36: 401K, IRA, ROTH...WTF Do I Pick?