[Mordisquitos]

> 17.27% of men don’t live to age 60, and another ~6%, or 23.57% of men overall, don’t make it to age 65.[1] For reference, one must typically be age 59.5 before they can withdraw from their 401k without penalty.

You are making the almost certainly mistaken assumption that the population of men who "live below [their] means to max out [their] 401k" are representative of the overall population of American men with regards to life expectancy.