My friend, who was extremely tight with money, suggested it to me years ago. Growing up in a blue collar construction / teacher household, it would have never cross my dad or mom's mind. My friend, who worked at the same fortune 50 that I did, said "we are engineers with long term careers at a very well established company". He went on to talk about how garnering our wages for the rest of our career would be worthwhile for someone after emptying one's 401k. So, I started with $1M about 18 years