### Comment:
But 3 comments up and all throughout this thread people are calling OP an idiot for using his 401K.  
  
 How is he both an idiot for using a 401K instead of leaving it until he is 60+ but dumb for having equity in his home if they both do the same thing?

### REPLY:
I think they are commenting on the tax inefficiency of withdrawing from his 401k like a savings acct, but preferably us autists wouldn't even have a 401k (unless employer match)

### END.