Well as a retired 22.3 , who invested heavily in the 401K ( up to 17% at one point ) , I have taken out $90,000 from my 401K over the last 3 years. And yes , My income is now greater than when I worked. ( I just had to buy some retirement toys ). Well back to my point 401K -$90,000 and my account balance is still over $500,000 ( actually at last check $510,500 ).
What no one really mentioned so far is the Time is your BEST friend . No matter what you do 401K and /or Roth, what you need to do is put that money away now and let it grow. Stocks markets go up and down all the time, you don't need to worry. Over time you still win. Same applies to owning properties, but with higher costs associated with it. You'll need to make periodic repairs to keep it's value up. Having a small business or another trade skill is also a plus. Working for just UPS all your life is not a pleasant option. I did it for 39 years, believe me it still gives me nightmares.