I think that contributing to a 401k with your employer makes sense after you’ve accumulated a fair amount of assets (Real Estate for me) first, paired with a sizable cash balance in your personal savings account (100k for me). 

There is risk in taking it to the next level and you have to be able to stomach the stress and risk involved....grow a pair and risk time/money/ego on doing it. 

I just saw a pair of duplexes in Sanford hit the MLS and go under contract in two days.

INTRODUCTION**1 In this pair of appeals, we are asked to decidewhether faxes soliciting participation by the recipients inmarket research surveys in exchange for monetary paymentsare advertisements within the meaning of the TelephoneConsumer Protection Act, 47 U.S.C. § 227 (b)(1)(C)(“TCPA”), which prohibits the transmission of unsolicited faxadvertisements"and"Defendants argue that Optum, though in dicta, suggestedthat market research surveys are not advertisements within theTCPA’s prohibition against unsolicited fax advertisements."

The reality is, real estate investing is a cash intensive venture and it's best paired with a high paying job or lucrative business. 

How do other members in the community get around you when they are walking on the sidewalk (perhaps in pairs or parents with strollers) especially when there is concomitant traffic and you are not stepping back onto the property / grass / lawn to get out of their way.4.