The: Daniel⚡️ on Nostr: Yes, I considered that, but in my mind I’m including a 401K (a US-specific program) ...

Yes, I considered that, but in my mind I’m including a 401K (a US-specific program) in that category as many employers also pay into it to offset their own taxes. You’re putting it away in a deferred account but trusting fund managers not to lose you money before you’re allowed to touch it.