[brianfitz]

Rate of return goes hand in hand with risk. The man in the article took greater risk and, because successful, became a multi-millionaire. There is success bias built into this because while a large percentage of millionaires are entrepreneurs, a large percentage of entrepreneurs are not millionaires. Also, the idea that you cannot become a multi-millionaire through saving (and inside a 401k) is coming from a guy who never tried it. From those who have tried it, it is indeed possible. :-)