It's setting self up for failure, because everything ahs to go right for a duration of time INCLUDING equity growth to infill that hole one dug day 1 via over paying. 

I’m considering cashing out my 401(k) and IRA funds to invest in more real estate and would appreciate any advice or insights on whether this idea is viable.Current Financial Situation:Significant savings in 401(k) and IRA accounts.Additional funds in a taxable brokerage account.Age: 40, with a relatively high effective tax rate.Limited emergency fund.Existing Duplex:Mortgage with a 75% LTV ratio and a high interest rate.Modest annual cash flow.Withdrawal Scenarios:Scenario 1: Withdraw everything today at age 40, resulting in a 35% loss to penalties and taxes.Scenario 2: Withdraw at age 60 with growth scenarios ranging from 1.3x to 2.3x the initial balance.Proposed Real Estate Investment:Purchase two additional duplexes with a 75% LTV and 6.635% interest rate on a 30-year term.Projected outcomes include appreciation, cash flow growth, loan amortization, and tax benefits.Comparison of Real Estate vs.

I did not know about the uni growth plans so it looks even  better now.

There's incredible demand here and growth, yet most of Florida and this area included, has really only just begun on a national stage.

The growth here has been significant, especially with tech giants like Intel, Meta, Amazon, and Google setting up operations, including two data centers.

We are cash flow break-even, but we love the steady equity growth that requires nearly zero bandwidth to self-manage.

Columbus sounds like an exciting market with all the tech growth. 

Investing in your own personal development will help improve your job performance as well as position you for future growth and advancement in your career.Have a Positive Attitude - A positive attitude is crucial in the workplace not only for you but also for your team and clients.

I've seen it price many people out who thought that in 2020 it was a terrible time to buy and now regret it immensely. 

If managed wisely (like everything else in life) it can be a great tool to boost growth.