At the very least your 401k money is making an instant return equal to your highest tax bracket because the taxes were never removed.

@Ray Harrell, I wouldn't touch credit cards at 24% unless you have a gun to your head and 100K this instant is your only option. 

Of course it doesn’t matter if you go blow it all on a car and alcohol every pay day.

Now, even poor people are fat, waste food, have the internet, have a car, have Air Conditioning, live in bigger houses, everybody has access to electricity, gas is relatively cheap, we have an Over Supply of Oil, roads are relatively well kept, tires last longer, instead of a car going 100,000 miles they go 300,000 miles, clothing is almost free at 2nd hand stores, bundles of clothes are shipped over seas because they can't be sold here, everybody has a gadget that fits in their pocket that gives them instant access to anybody in the world by entering a phone number or email address or URL, can play 1,000s of songs, and has far more compute power than what it took to put men on the moon. 

He ended up having to take out a payday loan just so he could buy groceries.

We got a semi late start on wanting to retire early so I am contributing the max to my ESPP and making large deposits into my fidelity account every payday.

Have to look good driving to the pay day loan store.

If I won either of those jackpots I would have instantly smashed my lifes financial goals. 

Almost instantly I realized that I would be bored out of my mind without some daily tasks and something to make me feel I was being productive.

That movie instantly cured me of EVER being a landlord.  ;-)