<prompt> Human: Throwaway account due to possible controversy about this question. I cannot find a Google search with a clear answer.Not sure if this is the correct sub to ask so here goes:If for whatever reason, be it medical or anything else; I am sure that I will not live past say.. age 65 only 5 years after retirement age in US, is there any financial incentive for me to essentially hide a percentage of my income to then enjoy once I past age 60 when I may be expecting to die a mere 5-10 years later?Current understanding of 401k is that while after about 10 years of funding it, compounding interest will have multiplied the fund to many times what youve deposited, however, you cant suddenly withdraw the entire fund at age 60; it is a yearly percentage withdrawal, which -based on my predictions- I will not live long enough to see a worthwhile return on all the money I would be putting would I start now. Effectively I will not live long enough for the withdrawn amount having superseded the total amount Ive depositedAt its core thats the question; I know there is the beneficiary topic to it which Ill answer ahead of time bellow:A few things about my planned future:I am single, always will be. No partner and no kids, ever. Im fine with paying rent forever so no incredibly high value assets such as a home or fancy car my cars worth 4,000; 2,000 motorcycle and 1,000 computer; these are my only object assets with all else being liquid in a checkingsavings account.Most of he fund would go to beneficiariesestate; which -again- I will not have. So what I believe is the best course of action is to not start a 401k so I can keep all the money readily available and enjoy it whenever I want.My goal for when Im dying is to effectively leave nothing behind. While I do have relatives, we can say I dont care to leave them some 500ish-thousand inheritance which is what a 401k becomes if funded properly.I currently save 50 of my net income with the plan to later on in life- ifwhen I start to deteriorate; use it all because it is mine. Again, leaving nothing as I will not buy a house, will not get married, will not have children.Well how about just withdraw it and use it for fun?:While this may be subject to change, currently; all I ever do is work to pay bills to play computer games and browse Reddit; Im not interested in highly expensive things aside of computer parts and video games.Thats all, Id like an answer andor general opinions.  <response>: It sounds like youve really thought this out, and its up to you if youre making the right choices.Heres two things to consider. First - I may have missed it, but does your company match? If so youre losing out on free money. It would still be better to contribute at the match rate to double your money even if you closed out the account early with all the penalties.The second thing I would say is that you might not always feel the way you do today. People change A LOT over there lifetime. Youre not setting your future self up with any options. Not saying its wrong, but life is full of surprises and you may feel different down the road. If you can afford to put the money a side and wont miss it than its worth it imo. 