we're on the subject of long term wealth buding, i need to tell you the b the limits of what somom considerr to be the holy grail of planning. i'm the first person to admit that it can be a vital par of setting yourself up for cozy retirement. os ten today,ly wealthy? why not? i'm not one of those that says you should max out on your contributions. your 401(k) is important but it has its down sides. plty of thfm. you will hear people say highh matching fees is a problem and they'll eat away. but for my money, the worst thing about most 401(k) plans is the lack of control of your money. i believe the best way to invest. you know when it is time to buy more and w wn it is time to sell and when it is time to sell everything. which is very rare, by the way. most 401(k) plags don't give that you option. you usually get to choose between not more than a couple dozen. most of what you have to choose from isn't all that grand. i don't know if i would waste my time trying to change that. that's okay. an aisha doesn't have the high management fees. it the one big difference is that with many 401-plans