Accumulate $1,000,000 free of fees and taxes. Avoid ALL 401k plan Wealth Killers. Use a tax-FREE account-better than tax-Deferred. Buy low-cost mutual funds averaging 10-12%. Accumulating wealth requires that we avoid high plan and advisor fees, commissions, loads and ... taxes-the Wealth Killers. Since you have a 401k, why not earn 50% more? We avoid fees by buying ONLY the financial services we need at a discount. We avoid taxes by using an IRS-approved tax-FREE account. We reinvest ALL our earnings. We accumulate $1 million by leveraging the Miracle of Compounding over time. Tax-FREE low-cost growth can provide 50% more to spend for the rest of our lives. We know that income taxes will increase to pay off two wars, two tax cuts and two bank bailouts. The wealthy stay wealthy by paying lower tax rates than we do. Warren Buffett pays only 17% total tax, Mitt Romney only 14%, and John Kerry only 13%. Buffett's staff pays 32.9%. Your rate? The wealthy stay wealthy by paying lower fees, charges and commissions. Their fee schedule is 0.01-0.05% not 1.5-3%. They buy only what they need so their costs-commissions, fees, etc. are less. They don't use middlepeople because they know product providers only use their firms' high-cost products. We need to follow Benjamin Graham's advice and buy financial products like we buy "groceries, ... not perfume." We can do that when we have less-biased information to find the best alternatives for us. 401K plans sell the best products for their firms; not for us. I help you decide which products are best for you; not the sellers. Your edge is the miracle of compounding, inside a tax-FREE, not tax-Deferred plan. It takes only 1 hour to start earning 50% more today.