Huh??? I thought the way to strike it rich and pad your retirement was to invest in a brewery???
You have it bassckwards, you strike it rich so you can open a brewery.
I've always tried to avoid putting all my eggs in one basket, you never know how life will play out for you. After paying off my house in '89 I made sure I maxed out my Roth and HSA every year, later when I went to work for an outfit that offered a 401K I maxed out the employer contribution every year. After exiting my business 6 1/2 years ago, with no W-2 wages I could only contribute to the HSA. By that time the ACA had driven my health insurance premiums up by over 300% so I said the hell with it and took the subsidy. To qualify though you must show a minimum income, which I didn't have. The 401K then proved invaluable as I could roll just enough of it over to a Roth every year to qualify. In 5 years with my previous employer I contributed just < $10,000 into the account, at it's peak a year ago it was worth >$105,000. The crazy thing is that I was the only employee participating in the 401K, all the other guys had myriad excuses/reasons for not taking part, most said they couldn't afford to. Funny thing is those same guys could afford to spent $5 or $10 for lunch every day while I was eating my cold sammich, kind of the ant and the grasshopper thing I guess. For that much $ in savings though I can stick with cold sammys.
As for not being able to touch 401K money for 5 years after rolling them over, that's not entirely true, I just sold some yesterday that had been in the Roth for less than 5 years in order to pay off my building. I will have to pay some tax on the value increase since rolling, but at this point my tax bill is so negligible I won't worry about it. As with all things IRS, there is no one single answer to a general question.