What good is having a 401k....if?

[Tony Marcelle]

If a person dies before having the chance to enjoy using all that money they have built up over the past decade or more? For some, retirement age is so so far away they can't even see it.  People want to enjoy their money today while they are young and living without having to worry about penalty fees. Is having a 401k a good option for those who want to put their money to use today while they are still here? Just saying. Tomorrow is not promised to anyone. It would be a pretty bad feeling to think about all the things that could have done with the money when that person was still around.