 Do this. Are you out of your mind? I've got money I don't need. Let's throw it into the lockbox called the 401k, where we can't get to it, where it doesn't make any money that we can spend. It would be as stupid as taking a rent house over here that's making you $1,500 a month tax-free and selling the rent house and putting the money in the 401k to make you nothing. It's just double ignorant.