Screw The 401K Plan. Here’s A Much Better Way To To Retire With 200K Every 5 Years Tax Free. http://dwaynelattimore.com/2008/04/07/screw-the... You’ve all heard about how one can put a few dollars in the stock market today and how it’s gonna be worth tons of cash in the future right? Employers as well as the financial institutions that we do business with do NOT have to insure our losses in 401K investments. Well, the truth of the matter is that the stock market is very volatile and can change it’s direction at any given time. This is almost like gambling for your retirement.