re: Should I continue to max out my 401K? I'm worried about it being raided one day

Dude, think this through.

If the government can get your 401k, they can get your rental property. They can seize it, or get the money directly from the tenants. They can get the income from that via taxes, or pull it out of your bank account. If you think you are going to hide it in your mattress, then they will come through the front door and take it.

So unless you think you're going to shoot all those MFers I suggest you max out your 401k. In any event, your money is probably not going to be worth all that much if/when they start doing that sort of thing, because we'd be in such a economic shitter we'd probably be better off burning it for warmth.

Its like the people who buy gold thinking the economy is going to collapse, but don't have any food or weapons. I say, "OK dude, I'm gonna keep getting my yearly return, because we're both fricked either way if that worst case scenario plays out, and if it doesn't, your retirement is going to suck, if you get one."