I spent some time the other day walking some coworkers through the Mega Backdoor Roth. It's more interesting to talk about since nearly everyone knows that we have a 401(k) and that you can contribute to it, and the regular Backdoor Roth isn't all that impressive and fairly well known. Anywho, while everyone seemed interested in learning about the concepts, I doubt any of them will apply it. One even said they were 'scared' to put 'that much money' in one place. I don't know what this coworker spends their money, but of what I know of their living expenses, they probably have enough left over to save more than they might today. It still blows my mind that people invest years and years into their academic education, in order to earn above a decent living wage, but don't want to spend a few hours investing in their financial education. I would have more respect for people who at least knowingly decided that the tradeoffs of investing and tax-advantaged strategies weren't their highest priority. I think part of is that people mistakenly assume that retirement account money is far more locked up than it really is.