<prompt> Human: Lots of discussion recently about how the government may increase taxes on 401ks and IRAs and could even change the rules to make ROTH withdrawals taxable.In light of these fears, I have recently decided to keep my 401k contributions to the minimum needed to max out my employer match and no more. I am in my mid-twenties.My question is, what can I do? I want to be frugal and save for a great and hopefully early retirement but not sure how to do that without focusing on a 401k? What other retirement fund options do I have?  <response>: Lots of discussion recently about how the government may increase taxes on 401ks and IRAs and could even change the rules to make ROTH withdrawals taxable.Yes, I read that thread too. I saw no compelling arguments. The government could change tax rates. The government can not confiscate private accounts without amending the Constitution. Congress is also not going to institute super high tax rates on ordinary Americans, because it would be utter political suicide. In light of these fears, I have recently decided to keep my 401k contributions to the minimum needed to max out my employer match and no more. I am in my mid-twenties.This is not a smart decision. Dont listen to conspiracy nuts when making financial decisions. Go read this old thread especially the part about so-called Loser Poor People. If you listen to people who complain about the government the economy etc. youll never make good financial decisions. My question is, what can I do?Ignore people who claim to know the future. They dont. I want to be frugal and save for a great and hopefully early retirement but not sure how to do that without focusing on a 401k? What other retirement fund options do I have?Dont skip your 401k, IRA or other tax-advantaged retirement accounts due to irrational fear. 