It is "my opinion" one should seriously consider getting out of their 401k, IRA or other financial PAPER instruments as soon as possible; EVEN WITH A PENALTY AND TAXES. Then use what remains after penalty and taxes to diversify into PHYSICAL Gold, Silver, Land and worth while Crypto-Currencies; such as BTC, LTC, ETH, XMR and Cardano.

The crypto currencies mentioned above are MY PERSONAL PREFERENCE. It's fine if you have your own personal preference. What's more important is to SERIOUSLY CONSIDER GETTING OUT OF PAPER FINANCIAL INSTRUMENTS AS SOON AS POSSIBLE.