 So you don't want a 401K. You don't want an IRA. So let's talk about why. Let's start out when you're a kid. You need to put this money away. No. Why do I need to put the money away? Because someday you're going to need to retire. When you retire, you can pull it back out. So why would I want to do that? If I put it in, it's subject to penalty until I'm 59 1⁄2. Why would I make it where I have to pay an additional 10% to get to the money I've already earned?