You want a real retirement plan? Get debt free, own your property outright, grow your own food (at least enough to supplement), and arm up to defend it. Your 415c limits aren't' going to mean squat when the government 1) eliminates the tax advantages of private retirement vehicles, and then 2) confiscates all that money. Don't' think it could happen? It's a certainty. The Leviathan needs fed. Private retirement money is the last great pile of money out there. It's already being talked about in academic circles. Nobody thought a lot of the stuff going on right now would ever happen...